How to Save on Dodge Magnum Insurance in Bakersfield

Insurance for Dodge MagnumDo you want to stop overpaying and find the cheapest Dodge Magnum insurance in Bakersfield? Have you finally had enough of wondering where the money will come from each month for auto insurance? You have the same problem as many other vehicle owners in California.

Shockingly, about 70% of customers renewed their policy with the same company for at least four years, and almost 40% of drivers have never even shopped around for cheap coverage. Most drivers in Bakersfield can save hundreds of dollars each year just by comparing rates, but they don’t know the rate savings if they switched.

Vehicle owners have so many insurance companies to pick from, and although it’s a good thing to have a selection, it can be more challenging to find the lowest cost provider for Dodge Magnum insurance in Bakersfield.

Locating the best rates in Bakersfield is not that difficult as long as you know where to start. Nearly every car owner who needs more affordable insurance most likely will find better rates. Nevertheless, California vehicle owners need to learn how insurance companies determine how much to charge and apply this information to your search.

When quoting insurance, remember that comparing a large number of companies helps increase your odds of locating a better price.

The companies in the list below are our best choices to provide price quotes in California. If more than one company is shown, it’s highly recommended you compare several of them in order to find the lowest rates.

Insuring your Dodge Magnum just makes sense

Despite the high cost, auto insurance is required in California but it also protects you in many ways.

The benefits of insuring your car definitely exceed the cost, especially for larger claims. The average driver in California overpays more than $850 per year so compare rates at every renewal to ensure rates are competitive.

You may qualify for discounts for Dodge Magnum insurance in Bakersfield

Auto insurance is not inexpensive, but discounts can save money and there are some available that you may not even be aware of. Certain reductions will be credited at the time of purchase, but a few must be asked for before they will apply. If they aren’t giving you every credit available, you could be getting lower rates.Save money with discounts

Remember that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic. But any discount will bring down your overall bill.

A list of companies and a selection of discounts are detailed below.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some of the discounts discussed earlier may not apply in Bakersfield. To locate insurance companies that provide some of the discounts listed above in California, click this link.

Are auto insurance agents of importance?

Certain consumers still prefer to buy from a local agent and that can be a smart move A good thing about price shopping on the web is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

Insurance agents in BakersfieldUpon completion of this simple form, your information is transmitted to local insurance agents that can give you free Bakersfield auto insurance quotes to get your business. There is no need to visit any agencies due to the fact that quote results will go to you instantly. You can find the lowest rates without requiring a lot of work. If you want to get a comparison quote for a specific company, you just need to navigate to their website to submit a rate quote request.

Picking a company should include more criteria than just a cheap price quote. Any good agent in Bakersfield should know the answers to these questions.

When finding a good insurance agency, there are a couple of different types of agents and how they can service your needs differently. Agents can be classified as either independent or exclusive.

Exclusive Agencies

Agents that choose to be exclusive write business for a single company and some examples include Farmers Insurance or State Farm. They usually cannot compare rates from other companies so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

The following is a list of exclusive agencies in Bakersfield who may provide you with comparison quotes.

1410 Wible Rd #107Bakersfield, CA 93304(661) 398-5144View Map

1811 Oak St Ste 155Bakersfield, CA 93301(661) 327-6990View Map

1525 Columbus St #400Bakersfield, CA 93305(661) 872-5140View Map

More Bakersfield agents

Independent Auto Insurance Agents

These type of agents do not sell for just one brand so as a result can place your coverage amongst many companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to switch agencies.

If you need lower rates, we highly recommend that you compare quotes from a couple of independent agencies for the best price selection.

Below is a list of independent insurance agencies in Bakersfield who can help you get comparison quotes.

4141 Ming AveBakersfield, CA 93309(559) 783-9550View Map

111 H StBakersfield, CA 93304(661) 327-5531View Map

2100 F St # 200Bakersfield, CA 93301(661) 327-9731View Map

More Bakersfield agents

Insurance coverages explained

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, a tree branch falling on your vehicle, theft and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, rehabilitation expenses, surgery, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for liability – This coverage protects you from damage that occurs to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability can pay for things such as repair costs for stationary objects, medical services, pain and suffering, court costs and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.

The illustration below shows why buying minimum limits may not be adequate.

Collision – Collision coverage pays for damage to your Magnum from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible on your Magnum in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Dodge Magnum.

Since a lot of drivers have only the minimum liability required by law (15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

More effort can pay off

You just learned quite a bit of information on how to save on Dodge Magnum insurance in Bakersfield. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Dodge Magnum insurance quotes. Drivers may even discover the biggest savings come from some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

As you shop your coverage around, never sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your objective should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

A few companies may not have online rate quotes and most of the time these smaller providers work with independent agencies. Cheaper auto insurance in Bakersfield is possible online and with local Bakersfield insurance agents, and you need to price shop both to get a complete price analysis.

How to find better rates for Dodge Magnum insurance in Bakersfield

The preferred way to get affordable Dodge Magnum insurance in Bakersfield is to begin comparing prices regularly from companies that sell auto insurance in California.

  1. Try to comprehend the coverage provided by your policy and the things you can control to keep rates in check. Many risk factors that are responsible for high rates like speeding and a poor credit rating can be rectified by paying attention to minor details.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide prices for a wide range of companies.
  3. Compare the price quotes to your current policy premium to see if a cheaper price is available in Bakersfield. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of this process is to use similar limits and deductibles on each quote and and to analyze every company you can. Doing this enables a fair rate comparison and a thorough price selection.

Additional auto insurance information can be found on the following sites: