Shocking but true, the vast majority of consumers have been with the same company for well over three years, and 38% of drivers have never compared rates to find affordable insurance. U.S. drivers could save 47% each year just by comparing rates, but they just assume it takes a lot of time to compare rates and save money.
The recommended way to find better pricing on Audi S8 insurance in Bakersfield is to start comparing prices yearly from insurers in California.
Step 1: Take a few minutes and learn about what is in your policy and the measures you can control to keep rates low. Many risk factors that are responsible for high rates such as traffic violations and an unfavorable credit rating can be eliminated by being financially responsible and driving safely. Read the full article for instructions to get cheaper rates and find hidden discounts.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple companies. Compare rates
Step 3: Compare the quotes to your existing policy and determine if there is any savings. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
One tip to remember is to compare the same level of coverage on each quote request and to quote with as many car insurance companies as possible. This helps ensure the most accurate price comparison and a thorough selection of prices.
If you are insured now or are just looking to switch companies, take advantage of these tips to reduce premiums without having to cut coverage. Buying the cheapest car insurance in Bakersfield is easy if you know what you’re doing. Drivers just need to know the least time-consuming way to compare prices online from multiple companies.
The car insurance companies shown below are ready to provide free rate quotes in Bakersfield, CA. If more than one company is shown, it’s a good idea that you click on several of them to find the most affordable car insurance rates.
Get cheaper Audi S8 insurance rates in Bakersfield
Car insurance companies don’t always list all their discounts very well, so the list below gives a summary of both well-publicized and also the more inconspicuous insurance savings.
- E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks just for signing your application on their website.
- Discount for Passive Restraints – Factory options such as air bags or automatic seat belts could see savings up to 30%.
- Cautious Driver Discount – Accident-free drivers can save up to 40% or more on their Bakersfield auto insurance quote than drivers with accident claims.
- Auto/Life Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
- Active Military Service – Having a family member in the military could mean lower rates.
- Savings for New Vehicles – Buying insurance on a new vehicle can be considerably cheaper since new model year vehicles are generally safer.
- Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save a little off the personal injury premium cost.
A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Even though it appears you could get a free insurance policy, companies don’t profit that way.
Auto insurance companies that have these benefits possibly include:
When getting a coverage quote, ask all the companies to give you their best rates. All car insurance discounts might not be offered on policies in your area. If you would like to see a list of insurers that offer multiple discounts in Bakersfield, click this link.
Local Bakersfield insurance agents
Many drivers just want to buy from a local agent and that is a personal choice. Experienced insurance agents are trained to spot inefficiencies and help file insurance claims. An additional benefit of comparing insurance online is you may find lower rates and also buy local. Buying from and supporting neighborhood insurance agencies is important particularly in Bakersfield.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to insurance agents in Bakersfield who will return price quotes for your coverage. It’s much easier because you don’t need to contact any agents because quoted prices will be sent to your email. If for some reason you want to get a rate quote from a particular provider, you would need to visit that company’s website and give them your coverage information.
Shown below is a short list of auto insurance companies in Bakersfield that can give you price quotes for Audi S8 insurance in Bakersfield.
Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 – View Map
Finding the right insurance company requires you to look at more than just a cheap price quote. Below are some questions you should ask.
- Who are their largest clients?
- How long have they worked with personal auto insurance coverage?
- Is their price quote a firm figure or are their hidden costs?
- Which family members are covered?
- Are they able to provide referrals?
- Do they prorate repair cost based on vehicle mileage?
Insurance agents can help
Always remember that when buying insurance from an agent or online, there really is no single plan that fits everyone. Everyone’s needs are different.
For example, these questions can aid in determining whether you will benefit from professional help.
- Do I have any recourse if my insurance company denies a claim?
- Do I need to call my car insurance company before buying a new car?
- Am I covered when delivering products for my home-based business?
- Does liability extend to a camper or trailer?
- What are the best liability limits?
- What is no-fault insurance?
- How can I get the company to pay a claim?
- Should I have a commercial auto policy?
- Do I have coverage for damage caused while driving under the influence?
If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.
Bakersfield car insurance companies
Choosing a high-quality car insurance provider is hard considering how many companies provide coverage in California. The rank data below could help you pick which coverage providers you want to consider when comparing rate quotes.
Top 10 Bakersfield Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Auto insurance coverage information
Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Audi S8.
Due to the fact that many California drivers have only the minimum liability required by law (California limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
This coverage covers damage to your S8 resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as rolling your car, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your S8 to bring the cost down.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like hospital visits, ambulance fees, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance
Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.
The illustration below demonstrates why buying low liability limits may not be adequate.
Budget-conscious Audi S8 insurance can be sourced online and with local Bakersfield insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these smaller providers prefer to sell through independent agencies.
We’ve covered some good ideas how you can save on Audi S8 insurance in Bakersfield. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest prices come from some of the smallest insurance companies.
When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
To read more, feel free to visit the following helpful articles:
- Frontal Crash Tests (iihs.org)
- How Much is Auto Insurance for a Toyota Corolla in Bakersfield? (FAQ)
- What is a Telematics Device? (Allstate)
- Understanding Your Insurance Deductible (Insurance Information Institute)