Sacramento, capital of the U.S. state of California, lies at the junction of two rivers, the Sacramento River and American River. The antiquity of Old Sacramento goes back to the city’s Gold Rush era, with wooden sidewalks and wagon rides. As one of our states most important cities Sacramento is of course full of tourists and traffic. With all of that, cheap car insurance is always on the minds of Sacramento residents.
State law requires California drivers to carry a minimum of liability coverage in the amounts of $15,000 per person/$30,000 per occurrence in bodily injury and $5,000 in property damage. But driving in California can be unpredictable. A more comprehensive policy is often a sound investment – and even a requirement if you’re leasing or financing your ride. Find a policy that fits your needs, with options such as:
- Product damage liability – covers damage to another vehicle when you are at fault in an accident
- Bodily injury liability – covers medical costs for injured passengers or drivers when you are at fault in an accident
- Personal injury protection/medical – covers medical costs for yourself regardless of who is at fault
- Collision – covers damage to your vehicle resulting from a collision regardless of fault
- Uninsured/underinsured motorist – covers damage to your vehicle when the at-fault driver’s insurance coverage is insufficient to pay for damages
- Comprehensive damage coverage – covers damage to your vehicle regardless of the cause (may include floods, weather, animals) as well as theft
- Rental reimbursement – pays for the cost of a rental vehicle while your car is being repaired or replaced
Almost 25% of drivers in the state don’t have insurance, making Uninsured Motorist Coverage a good choice. Most insurance professionals agree that California’s basic coverage isn’t adequate. The rising cost of automobiles, body-shop repair, and health care means you should carry more than basic insurance. You should also make sure you are taking advantage of every signal discount that applies to you. Here are some other options to consider:
- Marital discounts
- Good driver discounts
- Multi-car discounts
- Multi-policy discounts
- Association discounts
- Education discounts
- Occupation discounts
- Excess vehicle discounts
- Mileage discounts
Auto insurance rates in California tend to be among the more expensive in this half of the nation. Because of that, most experts recommend you review your car insurance every six months to make sure you are getting all the coverage you need at the best price.
The Tourism in Sacramento
Sacramento is the capital to the great state of California. That means that the opportunities are endless in Sacramento. There are some great spots to visit and great museums to check out. A great attraction that people seem to enjoy is the American River Parkway. It is a 23 miles long bike path that runs along the American River to Folsom. People usually ride bikes when they come across this long path. You can see many different animals as well. People even take a quick break and have a picnic under one of the many trees.
Another popular attraction is white water rafting. This is a great activity for you and your family. The American River offers great spots for white water rafting. The time that is ideal for this is March through September. There are some age limitations with some white water rafting companies so make sure you are aware of those. They are usually 8-12 years old.
Every summer through the months of July and August, there is the California State fair. Many people recommend going to this at least once every couple years because it is quite fun. There are some concerts and rides that everyone can enjoy. For all the people who crave and love fair food, there are over 150 food vendors so they will definitely be satisfied. If you enjoy a really good fair that has everything that you could imagine, this is definitely the place to be.
Renting in Sacramento
Sacramento’s rent increase is the third highest year over growth in the nation. The average rent rose to about $1500 which is above the national average of $1300. The rental market in Sacramento is through the roof while the housing market is at a low. Sacramento’s housing and rental prices attract bay area residents because the closer you live to San Francisco, the higher the prices for properties increase. This city is growing adding about 25,000 residents in 2018. For this demand the city of Sacramento is building 3,247 units and should be finished within this year.
With this boom in the rental property that means the jobs will also be increasing. With that being said, people will start going to work and being able to afford to live in these apartments or rent a piece of property.