I can’t think of anyone who likes paying for insurance, particularly when they are paying too much.
It’s a fact that insurance companies want to keep you from shopping around. Insureds who shop rates annually are likely to switch companies because there is a good probability of finding a policy with better rates. A recent study showed that drivers who regularly compared rates saved approximately $850 each year compared to policyholders who never compared other company’s rates.
If saving the most money on car insurance in Bakersfield is your objective, then learning a little about how to quote prices and compare car insurance can save time and make the process easier.
Due to the increasing number of insurance companies to choose from that have affordable insurance for a Mazda 5 in Bakersfield, it can be hard to find the cheapest insurance provider.
Our objective in writing this article is to introduce you to how car insurance companies work. If you have a policy now, you will most likely be able to reduce the price you pay using the ideas you’re about to read. Nevertheless, California vehicle owners can benefit by having an understanding of how the larger insurance companies determine premium rates.
All the larger insurance companies provide coverage prices online. Getting online quotes for Mazda 5 insurance in Bakersfield is possible for anyone as you just type in your coverage preferences into the quote form. After the form is submitted, their quoting system makes automated requests for your credit score and driving record and quotes a price based on many factors. Quoting online for Mazda 5 insurance in Bakersfield helps simplify price comparisons, and it’s also necessary to get many rate quotes if you want to find the best insurance rates.
To compare rates now, compare quotes from the companies shown below. If you have a policy now, it’s recommended that you enter the insurance coverages exactly as shown on your declarations page. This way, you’re receiving an apples-to-apples comparison based on identical coverages.
The following companies provide free quotes in California. If more than one company is shown, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Detailed insurance information
The price information below highlights detailed analysis of policy rates for Mazda 5 models. Being more informed about how car insurance premiums are determined helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 5 Sport Station Wagon | $234 | $374 | $384 | $22 | $114 | $1,128 | $94 |
| 5 Touring Station Wagon | $270 | $454 | $384 | $22 | $114 | $1,244 | $104 |
| 5 Grand Touring Station Wagon | $270 | $454 | $384 | $22 | $114 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in specific location information which can affect prices substantially.
Will just any policy work for me?
When it comes to buying coverage online or from an agent, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply.
For example, these questions might point out if you may require specific advice.
- Is business equipment covered while in my vehicle?
- Am I missing any policy discounts?
- Do I have coverage when using my vehicle for my home business?
- Am I insured when driving a different vehicle?
- How high should my medical payments coverage be?
- When should I buy a commercial auto policy?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
You may require the services of a local insurance agent
Many people would rather sit down and talk to an agent and that is not a bad decision One of the great benefits of comparing rate quotes online is you may find cheap rate quotes and still choose a local agent. Supporting local insurance agencies is important especially in Bakersfield.
By using this simple form, your coverage information gets sent to participating agents in Bakersfield who want to provide quotes and help you find cheaper coverage. There is no reason to visit any agencies because quoted prices will be sent immediately to you. You can find lower rates without the usual hassles of price shopping. If you wish to get a comparison quote from one company in particular, just go to their quote page and complete a quote there.
Exclusive and independent Bakersfield auto insurance agents
If you need to find a good Bakersfield insurance agent, it’s important to understand the different types of agents and how they can quote your rates. Agents in Bakersfield can be categorized as either exclusive or independent.
Independent Insurance Agents
Agents of this type do not have single company limitations so as a result can place your coverage with an assortment of companies depending on which coverage is best. If you are not satisfied with one company, they simply switch companies in-house which requires no work on your part.
When comparing rate quotes, you will want to compare quotes from at least one independent agent so that you have a good selection of quotes to compare.
Below is a short list of independent insurance agents in Bakersfield that may be able to give you competitive price quotes.
Covermax Insurance Agency Inc.
1910 E California Ave – Bakersfield, CA 93307 – (661) 363-0645 – View Map
Tony Camarena Insurance Agency
324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
Fallgatter Rhodes Insurance
1701 G St – Bakersfield, CA 93301 – (661) 324-2424 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive generally can only insure with one company such as Farmers Insurance or State Farm. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are well trained on their company’s products which aids in selling service over price.
Below are exclusive agencies in Bakersfield who can help you get comparison quotes.
Kathy Herm – State Farm Insurance Agent
93314, 6515 Panama Ln #104 – Bakersfield, CA 93313 – (661) 832-1020 – View Map
Farmers Insurance – E Bob White
3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000 – View Map
Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663 – View Map
Choosing a auto insurance agent requires you to look at more than just the price. These are valid questions to ask:
- Are there any discounts that you might be missing?
- Is auto insurance their primary focus in Bakersfield?
- Will they make sure you get an adequate claim settlement?
- Does the quote include credit and driving reports?
- Is the agent CPCU or CIC certified?
- Are there any discounts for paying up front?
After receiving good answers to any questions you have as well as a price you’re happy with, it’s a good possibility that you have found an auto insurance agent that meets the criteria to insure your vehicles.