Who Has Cheap Car Insurance Quotes for Postal Workers in Bakersfield?

The words “low-priced” and “auto insurance” really shouldn’t be used together, specifically when comparison shopping for the cheapest car insurance for postal workers. In an attempt to save some money, let’s learn about some of the factors that help determine auto insurance rates, and come up with some ways to lower the cost of the next policy you buy.

For postal employees, one of the largest components that help determine car insurance rates is where you keep your car. Cities with more crime and/or more people tend to pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.

The information below lists the highest-priced places in California for postal workers in which to buy car insurance. Bakersfield shows up at #22 having an annual price of $1,340 for coverage, which is approximately $112 per month.

Car insurance prices in Bakersfield
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,738
5 Sacramento $1,652
6 San Bernardino $1,644
7 Santa Clarita $1,580
8 Long Beach $1,562
9 Stockton $1,556
10 Moreno Valley $1,536
11 Modesto $1,532
12 Fontana $1,519
13 Garden Grove $1,508
14 Fresno $1,502
15 Riverside $1,497
16 Santa Ana $1,483
17 Anaheim $1,444
18 San Jose $1,395
19 Fremont $1,389
20 Irvine $1,384
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Information shown are estimated as the specific area where the vehicle is garaged can influence insurance rates considerably.

Establishing which company offers the best car insurance rates for postal workers calls for more work in order to find the lowest price quote. Every auto insurer has a unique formula for filing rates in each state, so let’s rank the car insurance companies with the most affordable rates in Bakersfield.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,178
4 CSAA $1,222
5 Nationwide $1,226
6 21st Century $1,338
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,496
10 GEICO $1,529
11 Allied $1,556
12 Allstate $1,559
13 The Hartford $1,575
14 MetLife $1,654
15 Esurance $1,688
16 Unitrin $1,733
17 State Farm $1,733
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $2,026
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Wawanesa generally has some of the cheapest car insurance rates in Bakersfield at around $1,146 annually. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also qualify as some of the cheapest Bakersfield, CA auto insurance companies.

In the above rates, if you are a customer of CSAA and switched to Wawanesa, you may realize a yearly price reduction of around $76. Policyholders with Nationwide might save as much as $80 a year, and 21st Century policyholders might reduce prices by as much as $192 a year.

To find cheaper insurance rates for your vehicle, click here or quote rates from the companies below.

Bear in mind that those policy prices are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact location for postal workers. So the car insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That is why you need to get quotes using your own individual information.

The vehicle model you are trying to insure is one of the largest factors when comparison shopping for the best cheap insurance for postal workers. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The data below illustrates auto insurance prices for the cheaper automobiles to insure in California.

Cheapest Vehicles to Insure in Bakersfield, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $737
Honda Accord LX-P 4-Dr Sedan $743
Toyota Prius $819
Ford F-150 FX2 Super Cab 2WD $828
Ford Escape XLT 4WD $851
Ford Edge SEL 2WD $857
Honda Civic DX 4-Dr Sedan $863
Chevrolet Equinox LS AWD $874
Toyota Tacoma Double Cab 4WD $884
Jeep Grand Cherokee Laredo 2WD $874
Chevrolet Impala LT $879
Dodge Grand Caravan CV $906
Honda Odyssey EX $933
Nissan Rogue S AWD $935
Chevrolet Silverado LS Extended Cab 2WD $942
Dodge Ram Quad Cab SLT 2WD $954
Nissan Altima 2.5 4-Dr Sedan $981
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can revise coverage prices greatly.

Based on these rates, models like the Honda CR-V, Honda Accord, Toyota Prius, and Ford F-150 will be the most affordable vehicles to insure for postal employees.

Get discounts on Bakersfield auto insurance

Car insurance for postal employees in Bakersfield, CAInsurance companies that provide policies for postal workers may also offer special discounts that could reduce prices by as much as 35% or more if you meet the requirements. A list of companies and their possible discounts can be found below.

The chart below shows the comparison of auto insurance costs with and without discounts. The premiums are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, anti-theft, marriage, accident-free, vehicle safety, and safe-driver discounts applied. With discounts applied, the average amount saved each year on car insurance for postal workers is 28% or $777.

The example below illustrates how your deductible choice can affect insurance rates when trying to find cheap insurance for postal workers. The prices are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could save $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save as much as $1,190 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is essential to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Tips to find economical insurance for postal workers

It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help Bakersfield drivers get lower-cost coverage.

That last idea is notably critical, as was affirmed in the prior article. Coverage prices can change considerably based on profitability, so drivers shouldn’t be resistant to switch companies if you find a better deal.

We understand brand loyalty, but it isn’t a good idea if that faithfulness ends up costing you a fortune every year. Now is a great time to compare rates to find cheaper car insurance for postal workers in Bakersfield.

If you have coverage questions and would like to have some professional guidance when buying car insurance for postal workers, the insurance agencies below are willing to help you make a decision which policy fits your needs best.

To locate a Bakersfield auto insurance agent nearest to you, click the link at the bottom.

David Hall – State FarmĀ® Insurance Agent
5351 Olive Dr #300Bakersfield, CA 93308(661) 393-8326

Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200Bakersfield, CA 93312(661) 588-1140

Nationwide Insurance: Michaud Insurance Agency Inc
201 California AveBakersfield, CA 93304(661) 633-9900

Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3Bakersfield, CA 93311(661) 397-1999

Find a Bakersfield, CA insurance agent near you