Affordable Insurance for a Chevy City Express in Bakersfield

A recent insurance study revealed that most drivers kept buying from the same company for at least the last four years, and just short of a majority have never compared insurance rates at all. Bakersfield drivers could save roughly 35% a year, but they don’t believe the amount of money they would save if they replace their high priced policy.

Discount Chevy City Express insuranceThe easiest way to save money on Chevy City Express insurance in Bakersfield is to begin comparing prices regularly from different companies who provide car insurance in California. Rate comparisons can be done by completing these steps.

  1. Learn about what coverages are included in your policy and the measures you can control to drop your rates. Many things that increase rates such as traffic citations, accidents, and a negative credit history can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover more details to get cheaper coverage and get bigger discounts that may have been overlooked.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can provide price quotes from multiple companies. View insurance agents
  3. Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find better rates and change companies, make sure there is no lapse in coverage.
  4. Provide notification to your current agent or company to cancel your existing policy. Submit a completed application and payment to your new carrier. Don’t forget to place the new proof of insurance paperwork in your vehicle.

One thing to point out is to try to use identical deductibles and limits on every price quote and and to get quotes from as many different companies as possible. This enables an apples-to-apples comparison and and a good selection of different prices.

Locating the best rates in Bakersfield is not that difficult. If you are already insured, you should be able to find the best rates using the tips covered below. Smart buyers just have to use the most effective way to get comparison quotes from many different companies.

Car insurance providers offering affordable rate quotes in California

The providers in the list below offer free rate quotes in Bakersfield, CA. If multiple providers are shown, we recommend you click on several of them to get the best price comparison.

Car insurance statistics for a Chevy City Express

The premium information shown next showcases estimates of insurance coverage prices for Chevy City Express models. Knowing how policy premiums are figured can benefit drivers when making decisions on the best policy to buy.

Chevrolet City Express Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
City Express Cargo 2500 2WD $288 $464 $450 $26 $134 $1,362 $114
City Express Cargo 1500 2WD $288 $564 $450 $26 $134 $1,462 $122
City Express Cargo 3500 2WD $332 $564 $450 $26 $134 $1,506 $126
City Express 2500 LT 2WD $332 $564 $450 $26 $134 $1,506 $126
City Express 2500 2WD $332 $564 $450 $26 $134 $1,506 $126
City Express 2500 LS 2WD $332 $564 $450 $26 $134 $1,506 $126
City Express 3500 2WD $332 $564 $450 $26 $134 $1,506 $126
City Express Cargo 1500 AWD $332 $564 $450 $26 $134 $1,506 $126
City Express 1500 LS 2WD $332 $564 $450 $26 $134 $1,506 $126
City Express 1500 LS AWD $332 $664 $450 $26 $134 $1,606 $134
City Express 1500 AWD $332 $664 $450 $26 $134 $1,606 $134
City Express 1500 LT 2WD $332 $664 $450 $26 $134 $1,606 $134
City Express Cargo 1500 Turbo Diesel 2WD $332 $664 $450 $26 $134 $1,606 $134
City Express Cargo 2500 Turbo Diesel 2WD $374 $664 $450 $26 $134 $1,648 $137
City Express 3500 LT 2WD $374 $664 $450 $26 $134 $1,648 $137
City Express 3500 LS 2WD $374 $664 $450 $26 $134 $1,648 $137
City Express 3500 2WD $374 $664 $450 $26 $134 $1,648 $137
City Express 1500 LT AWD $374 $664 $450 $26 $134 $1,648 $137
City Express Cargo 3500 Turbo Diesel 2WD $374 $664 $450 $26 $134 $1,648 $137
City Express Cargo 1500 Turbo Diesel AWD $374 $664 $450 $26 $134 $1,648 $137
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can alter coverage prices noticeably.

The example below demonstrates how choosing different deductibles and can influence Chevy City Express insurance costs for different ages of insureds. The data assumes a single female driver, full coverage, and no other discounts are factored in.

Should you buy full coverage?

The chart below compares Chevy City Express auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to switch to liability coverage only

There is no exact rule for dropping physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy City Express book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If premium cost is more than $800 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Informed Consumers Know How to Quote Car Insurance at a Discount

It’s important that you understand some of the factors that help calculate car insurance rates. When consumers understand what impacts premium levels, this enables informed choices that can help you get big savings.

Shown below are some of the things utilized by car insurance companies to help set premiums.

Lower rates by qualifying for discounts

Companies don’t necessarily list their entire list of discounts very clearly, so we researched some of the best known in addition to some of the lesser obvious credits available to bring down your rates. If you don’t get every credit you qualify for, you are paying more than you should be.Save money with discounts

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

The diagram below shows the comparison of Chevy City Express car insurance costs with and without policy discounts. The information is based on a male driver, no violations or claims, 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, homeowner, marriage, multi-policy, claim-free, and multi-car discounts applied.

Large car insurance companies and their possible discounts are included below.

When getting a coverage quote, ask each company or agent to give you their best rates. Depending on the company, some discounts may not apply to policies in Bakersfield. To see companies who offer discounts in Bakersfield, click here.

Exclusive or independent auto insurance agents

A small number of people still like to get professional advice from a licensed agent and that is just fine! Good insurance agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing insurance online is you may find the best rates and still have a local agent.

Bakersfield insurance agentsAfter completing this quick form, the quote information gets sent to participating agents in Bakersfield who can give free rate quotes for your business. You don’t have to contact an agency since rate quotes are delivered to you instantly. If you have a need to get a rate quote from a particular provider, feel free to find their quoting web page and fill out the quote form the provide.

Choosing the best insurer should depend on more than just the premium amount. Any agent in Bakersfield should be willing to answer these questions.

When narrowing the list to find a local insurance agency, you need to know there are two different types of agents and how they function. Insurance policy providers can be described as either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but it’s worth mentioning why they differ because it can factor into buying decisions.

Exclusive Agencies

Exclusive insurance agents can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive agents are very knowledgeable on what they offer and that allows them to sell at a higher price point.

The following is a list of exclusive insurance agents in Bakersfield that are able to give rate quotes.

1309 S H StBakersfield, CA 93307(661) 836-1300View Map

400 Chester AveBakersfield, CA 93301(661) 631-2420View Map

5550 California Ave #101Bakersfield, CA 93309(661) 431-1780View Map

More insurance agents

Independent Agents

Agents that choose to be independent do not have single company limitations so as a result can place your coverage with a variety of different insurance companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company and the insured can keep the same agent. When comparison shopping, you will want to get rate quotes from a couple of independent agencies to ensure the widest selection of prices.

Listed below is a short list of independent insurance agencies in Bakersfield willing to provide price quotes.

111 H StBakersfield, CA 93304(661) 327-5531View Map

1515 20th StBakersfield, CA 93301(661) 283-8100View Map

1910 E California AveBakersfield, CA 93307(661) 363-0645View Map

More insurance agents

You are unique and your auto insurance should be too

When buying the best auto insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.Higher deductibles save money

For example, these questions might point out whether or not you may require specific advice.

If it’s difficult to answer those 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

What is YOUR best insurance company?

People leave their current company for a number of reasons such as high prices, an unsatisfactory settlement offer, unfair underwriting practices and extreme rates for teen drivers. Whatever your reason, choosing a new company can be pretty painless.

In this article, we covered some good ideas how you can lower your Chevy City Express insurance auto insurance rates in Bakersfield. It’s most important to understand that the more times you quote, the better likelihood of getting affordable Chevrolet City Express insurance quotes. Drivers may even discover the best price on car insurance is with some of the smallest insurance companies.

Low-cost Chevy City Express insurance in Bakersfield can be bought on the web and from local insurance agents, so get free Bakersfield car insurance quotes from both of them to have the best rate selection. Some companies may not have internet price quotes and most of the time these smaller companies only sell coverage through independent agents.

Additional detailed information can be found in these articles: