The vehicle to be insured is a large factor when trying to find the best insurance for drivers with accidents. Vehicles with lower performance, good crash test ratings, or a track record of few liability claims will cost much less to insure than higher performance models. The next table presents insurance prices for a handful of the most affordable automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$2,029|
|Ford Escape XLT 4WD||$2,054|
|Hyundai Elantra SE Touring Station Wagon||$2,179|
|Honda CR-V LX 2WD||$2,248|
|Volkswagen Jetta S 2.5 Station Wagon||$2,327|
|Jeep Grand Cherokee Laredo 4WD||$2,402|
|Ford Explorer Eddie Bauer AWD||$2,427|
|Toyota Corolla LE||$2,525|
|Ford Fusion Sport 4-Dr Sedan||$2,550|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$2,558|
|GMC Sierra SLT Extended Cab 2WD||$2,550|
|Toyota Camry LE||$2,569|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$2,598|
|Chevrolet Equinox LS AWD||$2,665|
|Chevrolet Impala LT||$2,674|
|Toyota RAV4 Limited 4WD||$2,665|
|Ford Focus SES 4-Dr Sedan||$2,675|
|Dodge Grand Caravan Crew||$2,696|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$2,725|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$2,759|
|Hyundai Sonata GLS 4-Dr Sedan||$2,780|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$2,794|
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Premium data assumes single female driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can revise prices substantially.
Looking at the data, you can expect makes and models like the Honda Accord, Ford Escape, and Hyundai Elantra will definitely be some of the more affordable vehicles to insure for drivers with at-fault accidents. Prices will be more costly because of the fact that there is more claim risk for drivers with accidents, but generally speaking those vehicles will most likely have the lowest insurance prices available.
For drivers with at-fault accidents, one of the big factors that determine the amount you pay each year for auto insurance is where you call home in Bakersfield. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The information below lists the highest-priced places in California for drivers with accidents to buy car insurance in. Bakersfield is ranked at #22 with an annual cost of $1,353 for the average insured, which is around $113 per month.
|Rank||City||Premium Per Year|
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Information shown are estimated as the specific Bakersfield residence address can modify auto insurance rates significantly.
Impact of careless driving on insurance rates
The easiest method to earn the most affordable insurance prices for drivers with at-fault accidents is to drive attentively and avoid tickets and accidents. The illustration below shows how violations and at-fault accidents influence annual premium costs for each age group. The data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $2,372. Add in one speeding ticket and the average cost rises to $2,765, an increase of $392 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance for drivers with accidents goes up to an average of $6,191. That’s an increase of $3,818, or $318 per month, just for not being attentive to the road!
The chart below highlights how deductible selection can increase or decrease yearly insurance costs when getting quotes for cheap insurance for drivers with accidents. The costs are based on a single male driver, comp and collision included, and no additional discounts are factored in.
The data above shows that a 40-year-old driver could pocket $492 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $738 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, could shave up to $1,640 each year just by choosing larger deductibles.
When insureds make the decision to increase the deductibles on their policy, it is important to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
The agents listed below can help you determine which auto insurance policy would work best for you, as some people have coverage questions and would like to have a professional recommendation when shopping for cheaper insurance for drivers with accidents. It can be hard to find coverage yourself, so a professional agent can provide you peace of mind knowing your coverage gives you sufficient coverage at claim time.
To locate an agency close to where you live, click the button at the bottom of the list or click here to compare price quotes now.
Kelli Davis – State Farm Insurance Agent
2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011
Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663
Nationwide Insurance – Michaud Insurance Agency Inc
3795 Niles St – Bakersfield, CA 93306 – (661) 633-9900
California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978
How to find economical insurance for drivers with accidents
The list below details some of the recommended penny-pinching suggestions that can help drivers quote low-cost auto insurance.
- Avoid having at-fault accidents
- Drop full coverage on older vehicles
- Buy your homeowners policy from the same company as your auto insurance
- Improve your credit rating
- Buy a car with high safety ratings
- Compare rate quotes often
The last idea is extremely valuable, as we hit on in this article. Prices charged by car insurance companies change constantly, so you should be ready to change insurance companies if a better rate can be found.
Many drivers prefer to stick with one company, but it’s not a good idea if it’s costing you thousands of dollars over the life of your policy. It only takes a couple minutes to compare prices to find cheaper auto insurance for drivers with accidents in Bakersfield.