Anyone knows that car insurance companies don’t want customers comparing rates. People who shop around for better prices will, in all likelihood, switch to a new company because they have a good chance of finding a lower rate. A recent survey revealed that drivers who routinely compared quotes saved on average $865 a year as compared to drivers who didn’t regularly shop around.
If finding the lowest rates on Mazda 3 insurance is your ultimate target, then having a grasp of the best ways to find and compare insurance coverage can help you be more efficient.
Really, the only way to save money on auto insurance rates in Bakersfield is to make a habit of regularly comparing prices from companies in California.
- Gain an understanding of individual coverages and the measures you can control to keep rates low. Many rating factors that cause rate increases like speeding tickets, accidents and a bad credit score can be rectified by making minor changes to your lifestyle. Keep reading for more ideas to find cheap rates and find discounts that may have been missed.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the new rate quotes to your existing policy to see if cheaper 3 coverage is available in Bakersfield. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
- Tell your current company of your decision to cancel your current policy and submit the signed application along with the required initial payment to your new agent or company. Once coverage is bound, put the new proof of insurance certificate along with your vehicle registration.
One bit of advice is that you’ll want to compare the same level of coverage on each quote and and to get quotes from as many different companies as possible. This guarantees a fair price comparison and the most accurate and complete price analysis.
If you already have coverage or need a new policy, you can learn to reduce premiums while maximizing coverage. Locating the most cost-effective insurance policy in Bakersfield is much easier if you know where to start. Shoppers just have to learn the tricks to compare price quotes online.
How to compare Bakersfield Mazda 3 insurance quotes
All the larger insurance companies such as Allstate, GEICO and Progressive allow consumers to get prices from their websites. Getting Mazda 3 insurance prices online doesn’t take a lot of time because you just enter your coverage information into the form. Behind the scenes, their rating system makes automated requests for information on your driving record and credit history and quotes a price. Getting online quotes for Mazda 3 insurance in Bakersfield makes it a lot easier to compare rates and it’s very important to compare as many rates as possible in order to get a lower rate.
To quickly get comparison pricing now, check out the insurance providers below. If you have a policy now, it’s recommended that you enter deductibles and limits identical to your current policy. This ensures you’re receiving comparison quotes for the exact same coverage.
The providers in the list below are ready to provide price comparisons in Bakersfield, CA. If multiple companies are shown, it’s a good idea that you click on several of them to get a more complete price comparison.
Rates and detailed analysis
The information shown below outlines a range of rate quotes for Mazda 3 models. Having a better understanding of how car insurance prices are established can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| 3 I SV 4-Dr Sedan | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| 3 I Touring 4-Dr Sedan | $422 | $996 | $596 | $36 | $178 | $2,228 | $186 |
| 3 S Sport 4-Dr Hatchback | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
| 3 S Sport 4-Dr Sedan | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
| 3 S Grand Touring 4-Dr Hatchback | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
| 3 S Grand Touring 4-Dr Sedan | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific location information which can increase or decrease price quotes greatly.
Can higher deductibles save money?
One common question asked by Bakersfield drivers is how high should the deductibles for physical damage be. The rates below can help you visualize the rate differences when you buy lower versus higher insurance deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 3 I SV 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 3 I Touring 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| 3 S Sport 4-Dr Hatchback | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 3 S Sport 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 3 S Grand Touring 4-Dr Hatchback | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 3 S Grand Touring 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I Touring 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| 3 S Sport 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Sport 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in garaging location in Bakersfield which can modify premiums greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $47 more each month or $564 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 19 months between claim filings, you would most likely save money if you decide on a higher deductible.
The example below highlights how deductible selection and can affect Mazda 3 insurance premiums for different insured age categories. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.
You may qualify for discounts for Mazda 3 insurance in Bakersfield
Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for prior to getting the savings.
- Good Driver Discount – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
- Savings for New Vehicles – Putting insurance on a new 3 may earn a small discount because new vehicles have to meet stringent safety requirements.
- Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
- Home Ownership Discount – Owning your own home or condo can help you save on auto insurance because of the fact that having a home requires a higher level of personal finance.
- More Vehicles More Savings – Insuring several vehicles on one policy can get a discount for every vehicle.
- Accident Forgiveness – Not really a discount, but companies like GEICO and Allstate will allow you to have one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
- Low Mileage Discounts – Low annual miles can earn slightly better prices than normal.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Discount for Passive Restraints – Vehicles with factory air bags may earn rate discounts of more than 20%.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
Please keep in mind that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, that’s just not realistic. Any qualifying discounts should definitely cut the premium cost.
The example below compares Mazda 3 auto insurance costs with and without policy discounts. The data assumes a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, multi-policy, and safe-driver discounts applied.
Popular auto insurance companies and the discounts they provide can be found below.
- Farmers Insurance offers discounts including teen driver, pay in full, business and professional, good student, alternative fuel, electronic funds transfer, and homeowner.
- State Farm discounts include Steer Clear safe driver discount, good driver, Drive Safe & Save, multiple policy, driver’s education, anti-theft, and multiple autos.
- Liberty Mutual includes discounts for hybrid vehicle, new vehicle discount, new move discount, good student, and preferred payment discount.
- MetLife offers discounts for good student, accident-free, multi-policy, defensive driver, good driver, and claim-free.
- Progressive offers premium reductions for good student, multi-vehicle, homeowner, online signing, continuous coverage, and multi-policy.
If you need affordable Mazda 3 insurance quotes, ask each company or agent to give you their best rates. A few discounts might not apply everywhere. To view providers who offer auto insurance discounts in Bakersfield, click here.
Car insurance does more than just protect your car
Even though it’s not necessarily cheap to insure a Mazda in Bakersfield, insuring your vehicle may be required for several reasons.
- Almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a lienholder, it’s guaranteed your bank will stipulate that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your Mazda at a much higher premium rate and require you to pay much more than you were paying before.
- Car insurance preserves both your vehicle and your assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance more than offset the price you pay, especially with large liability claims. According to a recent study, the average American driver is overpaying more than $750 every year so smart consumers compare quotes at every renewal to make sure the price is not too high.
Do I just need basic coverages?
When quoting and choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.
- Am I covered if my car is in a flood?
- How can I get the company to pay a claim?
- When do I need to add a new car to my policy?
- When should I not file a claim?
- Is my vehicle covered by my employer’s policy when using it for work?
- Are my tools covered if they get stolen from my vehicle?
- What does medical payments cover?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
When to have guidance from an insurance agent
A small number of people would rather go talk to an agent and that is a personal choice. Insurance agents can make sure you are properly covered and help submit paperwork. The biggest benefit of getting free rate quotes online is that drivers can save money and get cheaper premium rates and still buy from a local agent.
After filling out this simple form, your insurance coverage information is emailed to companies in Bakersfield who will give competitive quotes for your business. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent straight to your inbox. If you have a need to get a rate quote from a specific insurance company, don’t hesitate to visit that company’s website and fill out their quote form.
Choosing the best company needs to be determined by more than just a low price. Any good agent in Bakersfield should know the answers to these questions.
- Can they give you a list of client referrals?
- Are all drivers listed on the coverage quote?
- What is the agency’s Better Business Bureau rating?
- How long have they been in business?
- If they are an independent agency in Bakersfield, which companies do they recommend?
- Will the agent help in case of a claim?
- Is the agent properly licensed in California?
- Is there any savings for paying the full premium?
If you are wanting to purchase car insurance from a reliable insurance agency, it helps to know the two different types of agents and how they can service your needs differently. Agents in Bakersfield may be either independent (non-exclusive) or exclusive. Both can insure your vehicles, but we need to point out how they differ because it may have an impact on the kind of agent you use.
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot shop your coverage around so it’s a take it or leave it situation. They are trained well on their company’s products which helps them compete with independent agents.
Below are exclusive insurance agents in Bakersfield who can help you get price quotes.
State Farm: Janet Hopkins
1528 18th St – Bakersfield, CA 93301 – (661) 327-8621 – View Map
Kelli Davis – State Farm Insurance Agent
2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011 – View Map
Mike Brazzell – State Farm Insurance Agent
3721 Columbus St – Bakersfield, CA 93306 – (661) 872-7770 – View Map
Independent Agents
Independent agents can sell policies from many different companies so they can insure your vehicles with many different companies and potentially find a lower price. If premiums increase, they simply move the coverage in-house which makes it simple for you. When shopping rates, we highly recommend that you include price quotes from at least one independent agent to get the most accurate price comparison.
Below are independent agents in Bakersfield that are able to give comparison quotes.
Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map
Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321 – View Map
Tony Camarena Insurance Agency
324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
If you receive satisfactory answers to your questions in addition to an acceptable price estimate, most likely you have located an insurance agent that meets the requirements to service your policy. Just keep in mind it’s your policy and you can terminate coverage at any point so never assume that you are permanently stuck with a specific agent for the entire policy term.