The words “cheap” and “insurance” really should not be used together, in particular when you are shopping around for the lowest insurance prices for state employees. To help control this cost, let’s introduce you to a few of the factors that impact car insurance prices, and figure out some ways to reduce the cost of the next policy you buy.
The vehicle model that needs insurance is probably the biggest factor when consumers are trying to find cheaper car insurance for state employees. Vehicles with lower acceleration and performance, an excellent safety record, or a track record of few liability claims will cost much less to insure than fast, unsafe models. The next table showcases coverage costs for a selection of the most economical automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$960|
|Ford Escape XLT 2WD||$1,016|
|Honda CR-V EX 2WD||$1,026|
|Chevrolet Impala LS||$1,028|
|Ford Explorer Eddie Bauer 4WD||$1,069|
|GMC Sierra SL Crew Cab 2WD||$1,125|
|Ford Fusion SEL 4-Dr Sedan||$1,132|
|Nissan Rogue SL 2WD||$1,125|
|Toyota Tacoma 4WD||$1,142|
|Ford Focus SE 4-Dr Sedan||$1,180|
|Ford Edge SEL 2WD||$1,185|
|Toyota Camry Hybrid||$1,202|
|Chevrolet Equinox LT 2WD||$1,204|
|Toyota RAV4 4WD||$1,210|
|Dodge Grand Caravan Hero||$1,204|
|Hyundai Elantra Blue 4-Dr Sedan||$1,244|
|Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD||$1,276|
|Chevrolet Malibu Hybrid||$1,287|
|Jeep Grand Cherokee Laredo 2WD||$1,297|
|Honda Civic LX 2-Dr Coupe||$1,287|
|Honda Odyssey Touring||$1,289|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,295|
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in Bakersfield, CA location which can influence price quotes considerably.
Based upon the table data, we can tell that models like the Honda Accord, Ford Escape, and Honda CR-V are the most budget-friendly vehicles to insure for state workers.
Buying cheap car insurance is easier said than done, and determining which companies offer the cheapest auto insurance rates for state employees may require even more diligence.
Each insurance company uses a different method for establishing rates, so we’ll go over the most affordable auto insurance companies in California. It’s important to understand that California auto insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. This price fluctuation is why consumers need to compare lots of rates when trying to find the lowest car insurance rates for state employees. Auto insurance prices can be altered by many risk factors and can change without notice, so the cheapest option the last time you checked may now be quite expensive.
Best Car Insurance Prices in California
|Rank||Company||Cost Per Year|
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Wawanesa offers some of the most affordable car insurance rates in Bakersfield at around $1,146 per year. This is $505 less than the average premium paid by California drivers of $1,651. USAA, Century National, Nationwide, and CSAA would also be considered some of the best Bakersfield, CA car insurance companies.
In the above example, if you currently have coverage with Century National and switched to Wawanesa, you could earn yearly savings of about $44. Policyholders with Nationwide may save as much as $67 a year, and CSAA policyholders might reduce rates by $88 a year.
To see if your current coverage is too expensive, click here to get quotes or visit any of the companies below.
It’s important to note that these policy prices are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for state employees. So the car insurance company that can offer you the best rate may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
For state workers, one of the big considerations that aid in calculating car insurance rates is the neighborhood you call home in Bakersfield. Areas with more people or more claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.
The table below ranks the priciest cities in California for state employees in which to buy car insurance. Bakersfield makes the list at #19 with a yearly cost of $1,394 for the average insurance policy, which is around $116 monthly.
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Premium amounts are comparative as vehicle location can modify coverage rates substantially.
Get discounts on Bakersfield auto insurance
Insurance companies that offer quotes for state employees may also offer rate discounts that can lower rates by as much as 25% or more if you are eligible for them. A few of the larger companies and some of their more popular discounts can be read below.
- Progressive offers discounts for multi-policy, continuous coverage, good student, homeowner, online quote discount, and online signing.
- GEICO has savings for multi-policy, good student, air bags, membership and employees, emergency military deployment, military active duty, and five-year accident-free.
- State Farm has discounts for good driver, safe vehicle, Steer Clear safe driver discount, multiple policy, and student away at school.
- Esurance may include discounts for homeowner, multi-policy, safety device, online quote, DriveSense, and anti-lock brakes.
- The Hartford may offer discounts for air bag, anti-theft, driver training, good student, bundle, and vehicle fuel type.
The illustration below compares car insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, marriage, homeowner, claim-free, passive restraint, and safe-driver discounts applied. With discounts applied, the average amount saved each year on auto insurance for state employees is 28% or $661.
Buying coverage from the highest-rated car insurance provider is hard considering how many companies there are in California. The information listed below can help you choose which providers to look at when buying insurance for state employees. The ratings below are only made up of companies who write in the majority of U.S. states, so companies that focus mainly on California business are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can change insurance premiums when quoting cheap insurance for state employees. The price estimates are based on a single female driver, full coverage, and no policy discounts are applied.
A 30-year-old driver could lower rates by $560 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $842 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could shave as much as $1,246 each year by using a higher deductible. If you do make the decision to raise your deductibles, it is essential to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
How to find more affordable car insurance for state employees
The list below summarizes a few penny-pinching solutions that can help drivers buy more affordable coverage.
- Do not get into accidents
- Do not pay for comprehensive and collision coverage on older vehicles
- Avoid getting tickets or violations
- Home or renters coverage can save on auto insurance
- Buy a car with high safety ratings
- Pay for smaller claims out-of-pocket
- Compare rates regularly and switch companies to save money
The last item on the list is incredibly crucial, as was stressed in the prior article. Car insurance rates go up and down frequently, so drivers shouldn’t hesitate to buy from a different company if a cheaper price is available. Sticking with a specific company is fine, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars a year. Spend a few minutes and compare prices and find cheaper car insurance for state employees in Bakersfield.
If you like to have some advice when shopping for cheaper insurance for state employees, the agents listed below can probably provide answers to your questions and help you determine which coverages are best.
To locate an agency using an interactive map, click the button below the list.
Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321
Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961
Hay Insurance Agency Inc.
4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933
Saif Ahmad – State Farm Insurance Agent
4025 Stockdale Hwy – Bakersfield, CA 93309 – (661) 831-1200