Best Ways to Save on Bakersfield GMC Acadia Insurance

High-priced auto insurance in Bakersfield can consume your budget and make it tough to pay other bills.

Statistics show that a large majority of consumers have been with the same company for well over three years, and virtually 40% of consumers have never compared rate quotes at all. Consumers in California could save as much as 35% every year by just shopping around, but they feel it’s too difficult to compare rates online.

How to find affordable GMC Acadia insurance in Bakersfield

The most effective way to find affordable quotes for car insurance rates in Bakersfield is to compare quotes annually from insurers who provide car insurance in California.

• Step 1: Try to learn a little about how your policy works and the measures you can control to prevent rate increases. Many rating criteria that cause rate increases like speeding tickets, accidents and poor credit history can be amended by making minor changes to your lifestyle.
• Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can quote prices from multiple companies.
• Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper rate is available in Bakersfield. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

An important note is that you use the same physical damage deductibles and liability limits on every quote request and and to get quotes from all possible companies. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Big companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers need to do rate comparisons quite often since prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on GMC Acadia insurance in Bakersfield a year ago a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

If you have coverage now or just want a better rate, use these techniques to lower your rates without having to cut coverage. Finding the cheapest car insurance coverage in Bakersfield is easy if you know what you’re doing. Vehicle owners just need to learn the proper methods to compare prices from multiple carriers.

The quickest way to get policy rate comparisons for GMC Acadia insurance in Bakersfield is to know most of the larger companies provide online access to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as whether your vehicle is owned or leased, marital status, how you use your vehicles, and coverage limits. That information is automatically sent to multiple different insurance companies and you will receive price estimates quickly.

To compare rates for your GMC Acadia now, click here and complete the quick form.

The companies in the list below are ready to provide price comparisons in Bakersfield, CA. If multiple providers are shown, it’s a good idea that you get rates from several of them to get the most affordable price.

GMC Acadia insurance rates and statistics

The coverage table shown below highlights different rate quotes for GMC Acadia models. Learning a little about how car insurance prices are determined is important to be able to make decisions on the best policy coverages.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in your specific Bakersfield location which can alter premium rates greatly.

Deductible analysis

A question often asked by Bakersfield drivers is which comprehensive and collision deductibles to buy. The tables below sum up how much more you’ll pay between low and high deductibles. The first data set uses a $250 deductible and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in garaging location in Bakersfield which can lower or raise premium rates substantially.

We can estimate from the data above that using a $250 deductible will cost you roughly $15 more each month or $180 every year averaged for all Acadia models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would probably save some money if you decide on a higher deductible. Here is a better example of how this decision is made.

The information below illustrates how your choice of deductibles and can raise or lower GMC Acadia premium costs for different age groups. The costs are based on a married male driver, full coverage, and no discounts are applied.

Bad driving habits will cost you more

The diagram below highlights how speeding tickets and at-fault accidents impact GMC Acadia auto insurance costs for different categories of driver ages. The costs are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.

Get GMC Acadia Insurance at a Discount

A large part of saving on car insurance is knowing the rating factors that are used to determine the rates you pay for car insurance. If you have some idea of what determines base rates, this allows you to make educated decisions that can earn you much lower annual insurance costs. Lots of things are part of the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although others are not quite as obvious like where you live and annual miles driven.

• Costs also based on gender – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that females are better at driving than males. Both sexes cause auto accidents at about the same rate, but the men have accidents that have higher claims. Men also statistically receive more costly citations such as DWI and reckless driving.

  The information below illustrates the difference between GMC Acadia car insurance rates for male and female drivers. The data assumes no claims or driving citations, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.

• Youthful drivers pay high premiums – Older, more experienced drivers are viewed as being more responsible, file fewer claims, and tend to be get fewer driving tickets. Teen drivers have been known to get distracted easily when driving with friends so car insurance rates are higher.

  The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Low coverage deductibles can be expensive – The deductibles are how much you are required to pay if a covered claim is submitted. Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered are rear-ending another vehicle, fire damage, or theft of your vehicle. The more damage repair cost the insured is willing to pay, the better rate you will receive.
• Pleasure use or commuting – The higher the mileage driven every year the higher your rates will be. Many insurance companies calculate rates based on how the vehicle is used. Cars that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Verify your policy reflects the correct usage, because improper ratings can cost you money. Incorrect rating for your Acadia can cost quite a bit.
• Vehicles with better crash test results cost less to insure – Safer cars tend to be cheaper to insure. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.

• GMC Acadia claim data – Insurers factor in insurance loss information to help determine the rate you pay. Models that the statistics show to have a trend towards higher claims will have higher premium rates. The data below shows the insurance loss data for GMC Acadia vehicles.

  For each policy coverage, the claim amount for all vehicles averaged together is equal to 100. Numbers shown that are under 100 are indicative of better than average losses, while values that are above 100 indicate more frequent claims or tendency to have higher losses.

  
  

  GMC Acadia Insurance Claim Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  GMC Acadia 4dr 2WD	75	86	73	71	69	80
  GMC Acadia 4dr 4WD	83	100	88	62	63	80

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need vehicle insurance in California

Despite the potentially high cost of GMC Acadia insurance, maintaining insurance may be required and benefits you in several ways.

• The majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your Acadia, it’s guaranteed your bank will stipulate that you have full coverage to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your GMC for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
• Auto insurance protects both your vehicle and your assets. Insurance will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. The average driver in California is wasting up to $869 every year so we recommend shopping around every year to be sure current rates are still competitive.

Ratings for Bakersfield car insurance companies

Finding the right car insurance provider can be difficult considering how many different companies there are to choose from in Bakersfield. The company ratings shown below may help you decide which auto insurers you want to consider shopping your coverage with.

Top 10 Bakersfield Car Insurance Companies Overall

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