For a learners permit, one of the largest components that are looked at to determine the cost of insurance is your zip code. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below sorts the priciest cities in California for a school permit to purchase car insurance in. Bakersfield ranks #23 costing $1,353 for car insurance, which is around $113 monthly.
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Prices are estimated as specific Bakersfield zip code can increase or decrease auto insurance rates significantly.
Deciphering which companies offer the cheapest insurance rates for a school permit will involve a bit more effort in order to find the lowest price.
Each insurer has their own unique process to set premium rates, so let’s rank the lowest cost insurance companies in Bakersfield.
Best Auto Insurance Prices for Students
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USAA quotes some of the most affordable car insurance rates in Bakersfield at around $1,155 a year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the most economical Bakersfield, CA car insurance companies.
As the example above demonstrates, if you are insured with CSAA and switched to USAA, you could earn yearly savings of about $43. Policyholders with Nationwide may save as much as $58 a year, and 21st Century insureds might reduce prices by as much as $224 a year.
To find the cheapest rates for your vehicle, click here to get quotes or click several companies below for low rates.
Remember that these rates are averaged for all insureds and vehicles and and are not figured with an exact vehicle garaging location for a school permit. So the insurer that fits your needs best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
Discounts on Bakersfield insurance rates
Auto insurance companies that offer quotes for a school permit may also offer special discounts that can lower rates by as much as 35% or more if you are eligible. A few popular companies and their offered discounts are detailed below.
- State Farm has discounts for good student, safe vehicle, Drive Safe & Save, accident-free, Steer Clear safe driver discount, anti-theft, and multiple autos.
- Progressive has savings for homeowner, online quote discount, good student, multi-vehicle, multi-policy, and continuous coverage.
- Travelers may offer discounts for hybrid/electric vehicle, payment discounts, new car, multi-car, and driver training.
- American Family may include discounts for bundled insurance, TimeAway discount, Steer into Savings, mySafetyValet, early bird, multi-vehicle, and accident-free.
- Liberty Mutual includes discounts for teen driver discount, multi-car, hybrid vehicle, preferred payment discount, good student, and new graduate.
The example below compares auto insurance costs with and without some available policy discounts. The premiums are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, paid-in-full, paperless filing, continuous coverage, anti-theft, and good student discounts applied. When discounts are applied, theamount saved on insurance for a school permit is 28% or $689.
The example below shows how different deductible levels can increase or decrease insurance costs when quoting cheap insurance for a school permit. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.
The data above shows that a 40-year-old driver could save $370 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $556 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could reduce their rates as much as $1,230 or more just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it is a good idea to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Cost comparison with and without full coverage
Saving money when shopping for insurance should be important to most vehicle owners, and one of the quickest ways to save on the cost of insurance for a school permit is to only buy liability insurance. The information below shows the difference between insurance prices with liability coverage only compared to full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
As an average for all age groups, physical damage coverage on your policy costs $1,849 per year over having just liability coverage. Many drivers will wonder if it’s worth it to buy full coverage. There is no set guideline of when to drop full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s assume your vehicle’s claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the deductible is paid. If it’s costing in excess of $400 a year for physical damage coverage, then it might be time to buy liability only.
How to find budget-friendly auto insurance for a school permit
Below you’ll find some of the recommended money-saving solutions that can help California drivers locate cheap car insurance.
- Prevent rate increases by staying accident-free
- Don’t have frequent claims
- Vehicles with good safety ratings have lower liability rates
- Drive safely
- Multi-policy discounts save money
- Keep rates low by comparing prices once a year
The last tip is notably important, as we discussed in this piece. Prices charged by car insurance companies in Bakersfield adjust often, so drivers shouldn’t be reluctant to buy from a different company if you find a better deal. Brand loyalty is great, but it’s not a good idea if your bullheadedness ends up costing you hundreds every year. Take a few minutes and shop around to find cheaper insurance for a school permit.
The insurance agencies below can answer your questions and help you decide which coverages you need, since some drivers wish to have some advice when shopping around for cheaper insurance for a school permit. It’s not always simple to find the best rates on your own, so agents can provide comfort knowing your coverage gives you sufficient coverage at claim time.
To locate a Bakersfield insurance agent in your neighborhood, click the button after the list or click here to compare rates now.
- Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486
- Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420
- Nationwide Insurance: Michaud Insurance Agency Inc
201 California Ave – Bakersfield, CA 93304 – (661) 633-9900
- Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780