Find Affordable Dodge Viper Insurance in Bakersfield

The recommended way to get low-cost car insurance rates is to start comparing prices yearly from insurers in Bakersfield.

• First, it will benefit you to learn about what is in your policy and the things you can control to prevent high rates. Many things that cause high rates such as accidents, careless driving, and a not-so-good credit rating can be remedied by making small lifestyle or driving habit changes. Continue reading for more details to prevent expensive rate increases and get additional discounts that may be available.
• Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple insurance companies.
• Third, compare the new quotes to the price on your current policy and determine if there is any savings. If you can save some money and buy the policy, make sure there is no lapse in coverage.
• Fourth, provide adequate notice to your current company to cancel your current car insurance policy. Submit the application along with any required down payment for your new coverage. Once received, store the proof of insurance certificate with your registration paperwork.

A good tip to remember is to make sure you’re comparing identical coverages on every quote request and and to get rates from as many car insurance companies as possible. This ensures a fair rate comparison and a complete price analysis.

It’s easy to assume that auto insurance companies want to prevent you from shopping around. Insureds who compare other prices will presumably move their business because there is a significant possibility of finding more affordable rates. A study discovered that people who did price comparisons regularly saved on average $865 annually compared to other drivers who never compared other company’s rates.

If finding budget-friendly car insurance is why you’re here, learning the best way to compare coverage rates can help simplify the process.

When comparing car insurance rates, know that comparing more rates from different companies increases the chance that you will find more affordable rates.

The following companies are our best choices to provide quotes in California. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.

Reduce your auto insurance rates with these eight discounts

Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of purchase, but lesser-known reductions have to be specially asked for in order for you to get them.

• Multiple Policy Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
• Theft Deterrent – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Organization Discounts – Being in qualifying clubs or civic groups could qualify you for a break when getting a Bakersfield car insurance quote.
• Own a Home – Owning a home in Bakersfield can get you a discount because it requires personal responsibility.
• Savings for New Vehicles – Insuring a new Viper may earn a small discount compared to insuring an older model.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as GEICO, Progressive, and Allstate will forgive one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
• Discount for Low Mileage – Fewer annual miles on your Dodge may allow you to get cheaper premium rates.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.

Policy discounts save money, but many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, you’re out of luck. Any amount of discount will lower the cost of your policy.

The information below illustrates the comparison of Dodge Viper insurance rates with and without discounts applied to the premium. The prices are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-policy, multi-car, and marriage discounts applied.

A list of auto insurance companies and some of the premium reductions they offer are outlined below.

• Mercury Insurance offers premium reductions for age of vehicle, type of vehicle, location of vehicle, ease of repair, anti-theft, and annual mileage.
• Farmers Insurance may offer discounts for alternative fuel, bundle discounts, distant student, pay in full, early shopping, electronic funds transfer, and multi-car.
• Farm Bureau policyholders can earn discounts including youthful driver, renewal discount, safe driver, 55 and retired, and good student.
• State Farm has discounts for safe vehicle, Drive Safe & Save, multiple policy, multiple autos, accident-free, and student away at school.
• Allstate may have discounts that include premier discount, eSmart discount, anti-theft, good student, premier plus, and anti-lock brakes.
• GEICO discounts include driver training, daytime running lights, defensive driver, seat belt use, multi-policy, anti-theft, and emergency military deployment.

Double check with all the companies what discounts are available to you. A few discounts may not apply to policies in Bakersfield.

Dodge Viper insurance coverage information

The premium information shown next outlines detailed analysis of insurance premium costs for Dodge Viper models. Learning more about how auto insurance policy rates are determined can assist in making decisions on which coverage to buy.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can influence price quotes noticeably.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The following tables show the rate differences when you select higher and lower deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific zip code location which can impact rates noticeably.

Based on this data, using a $100 deductible costs approximately $88 more each month or $1056 for a full year averaged for all Viper models than buying the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 10 months between claims, you would save more money going with the higher deductible.

Dodge Viper insurance costs by gender and age

The chart below shows the difference between Dodge Viper auto insurance costs for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.

Best car insurance company in Bakersfield

Buying coverage from the highest-rated auto insurance company can be challenging considering how many companies there are to choose from in California. The rank data below could help you pick which car insurance companies you want to consider purchasing coverage from.

Top 10 Bakersfield Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Top 10 Bakersfield Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide