Statistics show that the vast majority of insurance customers renewed their policy with the same company for a minimum of four years, and nearly the majority have never compared rates with other companies. California consumers could save about $469 each year by just comparing quotes, but they feel it’s too difficult to find cheap insurance rates.
If you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates in Bakersfield is to start doing a yearly price comparison from insurance carriers that sell auto insurance in California.
Step 1: Try to learn about the coverage provided by your policy and the things you can control to prevent rate increases. Many factors that cause rate increases like accidents, careless driving, and a substandard credit score can be controlled by making minor changes to your lifestyle.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can quote prices from multiple companies. Click to view companies
Step 3: Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and buy the policy, ensure coverage does not lapse between policies.
One important bit of advice is to make sure you’re comparing identical coverage information on every quote and to quote with all possible companies. This provides a fair price comparison and the best rate selection.
Best Toyota Land Cruiser insurance price quotes in California
The providers in the list below can provide quotes in California. If more than one company is shown, we recommend you click on several of them to find the most competitive car insurance rates.
Analysis of Toyota Land Cruiser rates
The coverage table shown next outlines different coverage costs for Toyota Land Cruiser models. Having a good grasp of how insurance quotes are determined is important for you to make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $524 | $970 | $456 | $26 | $136 | $2,112 | $176 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in Bakersfield location which can decrease or increase rates greatly.
How high should deductibles be?
When shopping for auto insurance, a common question is which deductibles should you choose. The tables below sum up the differences in price when you choose different deductibles. The first set of rates uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $518 | $882 | $442 | $26 | $132 | $2,025 | $169 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Prices do not factor in Bakersfield location which can alter prices considerably.
We can estimate from the data above that using a $250 deductible will cost you approximately $25 more each month or $300 every year than requesting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 10 months between claims, you would probably come out ahead if you choose the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $169 |
| Average monthly premium for $500 deductibles (subtract): | – $144 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
One thing to note is that raising deductibles to save money results in having to pay to pay more out-of-pocket if you have a claim. That will require some money saved in order to pay more for the deductible.
Why You Might Pay Increased Rates in Bakersfield
The best way to find cheaper car insurance is to take a look at the different types of things that help determine the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to better car insurance rates.
How your age affects costs – Drivers with little experience are statistically proven to be inattentive in a vehicle therefore car insurance rates are much higher. Having to add a teen driver to your policy can be very expensive. Older drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and receive fewer citations.
The following data assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Does your occupation cost you more? – Careers such as real estate brokers, social workers, and stock brokers tend to pay higher average rates because of intense work situations and incredibly demanding work hours. On the flip side, professions such as professors, historians and homemakers generally pay rates lower than average.
How’s your driving record? – Having a single speeding ticket or other violation can increase rates to the point where it’s not affordable. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have dangerous violations like DUI or reckless driving might be required by their state to complete a SR-22 with the DMV in their state in order to legally drive.
The illustration below demonstrates how traffic citations and fender-benders drive up Toyota Land Cruiser auto insurance costs for different age categories. The data assumes a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.
Lower comp and collision deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply are a broken side mirror, damage from fire, and windstorm damage. The deductibles define how much you are required to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
Toyota Land Cruiser claim probability – Companies use past loss statistics for each vehicle in order to profitably underwrite each model. Models that are shown to have higher claim frequency or loss amount will cost more for coverage. The information below illustrates the historical insurance loss data for Toyota Land Cruiser vehicles.
For each policy coverage type, the claim amount for all vehicles averaged together is a value of 100. Percentage numbers below 100 suggest a better than average loss history, while percentage numbers above 100 point to more claims or larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Land Cruiser 4dr 4WD | 94 | 88 | 171 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Bakersfield insurance discounts for a Toyota Land Cruiser
Insurance can be prohibitively expensive, but there could be significant discounts that could help you make your next renewal payment. A few discounts will be applied when you get a quote, but some need to be requested specifically prior to getting the savings.
- Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
- Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates than their less cautious counterparts.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn slightly better auto insurance rates than normal.
- Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
- Save over 55 – Drivers over the age of 55 can possibly qualify for a small discount on rates.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works.
The information below visualizes the comparison of Toyota Land Cruiser car insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, multi-policy, and marriage discounts applied.
Auto insurance companies that may include most of these discounts include:
When getting free Bakersfield auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. Depending on the company, some discounts may not apply in your area. If you would like to see a list of providers who offer online Toyota Land Cruiser insurance quotes in California, click here.
Car insurance is available from local insurance agents
A small number of people just prefer to get professional advice from a licensed agent and that is a smart decision The best thing about comparing rate quotes online is you may find cheaper auto insurance rates but also keep your business local. And providing support for local insurance agencies is definitely important in Bakersfield.
Upon completion of this form (opens in new window), your information is sent to participating agents in Bakersfield who will gladly provide quotes for your car insurance coverage. You won’t even need to contact an agency because prices are sent directly to you. You can find the lowest rates without a big time investment. If you need to get a rate quote from a specific car insurance provider, you would need to go to their quote page and submit a quote form there.
If you are searching for local Bakersfield agents, you need to know there are two types of agencies and how they differ in how they can insure your vehicles. Car insurance agents can be described as either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Agents that elect to be independent are not limited to a single company so they can write business through many companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move your policy to a different company and you stay with the same agent.
When shopping rates, we highly recommend that you include price quotes from a few independent agents to have the best price comparison.
Below are independent insurance agencies in Bakersfield that may be able to provide free car insurance quotes.
Lorena Magana Insurance Agency, Inc.
4141 Ming Ave – Bakersfield, CA 93309 – (559) 783-9550 – View Map
California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944 – View Map
Fallgatter Rhodes Insurance
1701 G St – Bakersfield, CA 93301 – (661) 324-2424 – View Map
Exclusive Agents
Exclusive agents can only place business with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare other company’s rates so always compare other rates. These agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates.
Listed below are exclusive agencies in Bakersfield that are able to give comparison quotes.
Mike Brazzell – State Farm Insurance Agent
3721 Columbus St – Bakersfield, CA 93306 – (661) 872-7770 – View Map
Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140 – View Map
Allstate Insurance: Hero Singh
3400 Panama Ln h – Bakersfield, CA 93313 – (661) 229-4008 – View Map
Finding the right auto insurance agent is decision based upon more than just a cheap price. Here are some questions you might want to ask.
- By raising physical damage deductibles, how much would you save?
- How is replacement cost determined on your vehicle?
- Does the agency provide any after hours assistance?
- What insurance companies do they work with in Bakersfield?
- Do they assist clients in filing claims?
- Will they make sure you get an adequate claim settlement?
- Are they properly licensed to sell insurance in California?
- Will their companies depreciate repairs to your car based on the mileage?
How to find a good Bakersfield car insurance company
Picking a highly-rated company can be challenging considering how many choices there are in Bakersfield. The ranking data displayed below may help you decide which car insurance companies you want to consider buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Affordable rates are available
Cost effective Toyota Land Cruiser insurance is possible online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. There are still a few companies who may not have rates over the internet and many times these small, regional companies only sell coverage through local independent agencies.
We just presented a lot of tips how to compare Toyota Land Cruiser insurance car insurance rates in Bakersfield. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Toyota Land Cruiser insurance quotes. Consumers may even find the biggest savings come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.
Additional detailed information is available by following these links:
- Should I Buy a New or Used Car? (Allstate)
- Who Has Affordable Bakersfield Car Insurance for a Toyota Tacoma? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Immigrants in Bakersfield? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Uber Drivers in Bakersfield? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a DUI in Bakersfield? (FAQ)
- What Car Insurance is Cheapest for a Honda Pilot in Bakersfield? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)