Best Ways to Save on Bakersfield, CA Auto Insurance

A recent insurance study discovered that most insurance policyholders in California have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never compared rate quotes at all. Drivers in the U.S. could save as much as $860 a year just by getting comparison quotes, but most just don’t grasp the amount of savings they would get if they just switched companies.

The recommended way to get affordable car insurance rates is to begin comparing prices regularly from companies in Bakersfield. Rates can be compared by completing these steps.

  1. It will benefit you to learn about how insurance companies determine prices and the things you can change to drop your rates. Many rating criteria that are responsible for high rates like accidents, careless driving, and a bad credit score can be improved by making small lifestyle or driving habit changes.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources.
  3. Compare the quotes to the price on your current policy and see if you can save money. If you find better rates, verify that coverage does not lapse between policies.
  4. Give notification to your current company of your intention to cancel the current policy. Submit a down payment and signed policy application to your new agent or company. Don’t forget to keep the new certificate of insurance somewhere easily accessible.

One important bit of advice is that you’ll want to compare the same deductibles and limits on every quote and to quote with as many companies as feasibly possible. This enables an apples-to-apples comparison and the best price selection.

Finding the cheapest insurance coverage in Bakersfield can be much easier if you know how to start. If you have insurance now, you will surely be able to cut your premiums using the following tips. Vehicle owners only need an understanding of how to compare price quotes online from multiple companies.

Companies offering competitive prices in Bakersfield, CA

The companies in the list below are ready to provide quotes in Bakersfield, CA. If several companies are displayed, it’s a good idea that you click on several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Bakersfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $1,048 $524 $87
Dodge Grand Caravan SXT $1,070 $535 $89
Dodge Ram Crew Cab ST 2WD $1,146 $573 $96
Ford Escape XLS 4WD $886 $443 $74
Ford Explorer XLT AWD $992 $496 $83
Ford F-150 XLT Crew Cab 2WD $992 $496 $83
Ford Focus SE 4-Dr Sedan $1,028 $514 $86
Honda Accord EX 4-Dr Sedan $886 $443 $74
Honda CR-V EX 4WD $906 $453 $76
Honda Civic SI 4-Dr Sedan $1,158 $579 $97
Hyundai Elantra Blue 4-Dr Sedan $1,082 $541 $90
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,082 $541 $90
Nissan Altima 3.5 SR 4-Dr Sedan $1,124 $562 $94
Nissan Rogue SL 2WD $1,124 $562 $94
Toyota Camry Hybrid $1,200 $600 $100
Toyota Corolla LE $1,102 $551 $92
Toyota RAV4 Limited 4WD $1,048 $524 $87
Volkswagen Jetta S 2.5 Station Wagon $962 $481 $80
Get Rate Quotes for Your Vehicle Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in Bakersfield location which can influence coverage prices significantly.

Discounts mean cheaper rates

Auto insurance companies don’t always publicize every discount they offer very clearly, so we break down a few of the more well known as well as the least known discounts that may be available.Cheaper auto insurance with discounts

We need to note that most credits do not apply to the whole policy. Most cut specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and some of their more popular discounts are shown below.

When quoting, ask every insurance company how you can save money. A few discounts might not be offered in Bakersfield.

Insurance agent or online?

Many people would rather talk to a local agent and that is not a bad decision Good agents are very good at helping people manage risk and help in the event of a claim. An additional benefit of getting free rate quotes online is that you can find cheaper auto insurance rates and still buy from a local agent.

Find insurance agent in BakersfieldBy using this short form, your insurance data is emailed to companies in Bakersfield who can give free rate quotes for your business. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent to your email. In the event you want to quote rates for a specific company, just jump over to their website and fill out their quote form.

Finding the right insurer requires more thought than just the price. The answers to these questions are important, too.

When narrowing the list to find a reliable insurance agent, you need to know there are two different agency structures and how they can write your policy. Car insurance agents in Bakersfield are considered either exclusive agents or independent agents. Either can properly insure your vehicles, but it’s worth mentioning how they differ because it can influence which type of agent you select.

Exclusive Insurance Agents

Exclusive agents can only provide one company’s prices and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are well schooled on their products and sales techniques and that enables them to sell even at higher rates. Consumers often purchase coverage from exclusives primarily because of the brand legacy rather than low price.

Listed below are exclusive insurance agents in Bakersfield who may provide you with price quote information.

More insurance agents

Independent Agents (or Brokers)

Agents that elect to be independent do not work for one specific company so they have the ability to put coverage through many companies depending on which coverage is best. If they quote lower rates, your policy is moved internally and you don’t have to switch agencies. When comparing car insurance rates, it’s recommended you check rates from several independent agencies in order to compare the most rates. Many independent agencies also insure through small mutual carriers which can save you money.

Below is a short list of independent agents in Bakersfield willing to provide price quotes.

More insurance agents

What insurance coverages do you need?

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability insurance – Liability coverage can cover damage that occurs to other’s property or people. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.

Liability can pay for things like repair bills for other people’s vehicles, structural damage, loss of income, medical expenses and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible. California state minimum liability requirements are 15/30/5 but it’s recommended drivers buy more coverage.

The illustration below demonstrates why minimum state limits may not be enough.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many California drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like dental work, rehabilitation expenses and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hail damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance claim statistics

Is your vehicle a claim risk? The following tables outline the good and bad vehicles for likelihood of having large claims for each type of coverage.

Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Kia Rio
Fiat 500 Chevrolet Impala
Acura MDX Chevrolet Cruze
Subaru Forester Kia Optima
Volvo XC60 Mitsubishi Lancer
Mercedes-Benz SL Class Mitsubishi Mirage

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Bently Continental GT
Jeep Wrangler Ferrari 458
Smart ForTwo Maserati Granturismo
Ford Edge BMW M6
Ford F-250 SuperCab BMW 6 Series
Nissan Xterra Bently Continental GTC

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Nissan Versa
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Corvette Kia Forte
Ford Expedition Dodge Charger
Chevrolet Silverado 3500 Chrysler 200
Ford F-350 SuperCrew Chevrolet Spark

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Audi S7
Infiniti QX50 Porsche Panamera GTS
Nissan Xterra Maserati Granturismo
Chevy Silverado 2500 Maserati Quattroporte
Volvo V60 Bentley Continental GTC
GMC Sierra 2500 BMW M6

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bakersfield auto insurance company ratings

Buying coverage from the best car insurance company can be a challenge considering how many companies are available to choose from in Bakersfield. The company rank data in the next section may help you analyze which coverage providers to look at shopping prices with.

Top 10 Bakersfield Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

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

More quotes mean more auto insurance savings

Cheaper auto insurance in Bakersfield is attainable online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not offer online quoting and most of the time these small insurance companies only sell through local independent agencies.

We’ve covered some good ideas how to reduce auto insurance car insurance rates online in Bakersfield. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Bakersfield auto insurance quotes. Consumers could even find that the most savings is with a smaller regional carrier.

Consumers leave their current company for any number of reasons including unfair underwriting practices, high prices, poor customer service or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is easier than you think.

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