Cheap Chevy Cruze Insurance in Bakersfield

It takes a little time, but the best way to get low-cost auto insurance rates in Bakersfield is to start doing an annual price comparison from companies in California.

  1. Spend a few minutes and learn about the coverage provided by your policy and the modifications you can make to keep rates in check. Many policy risk factors that drive up the price like speeding tickets, accidents and a lousy credit rating can be amended by making lifestyle changes or driving safer.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide prices from multiple insurance companies. View a list of agents
  3. Compare the quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
  4. Notify your agent or company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment for your new coverage. As soon as you can, place your new proof of insurance paperwork in a readily accessible location in your vehicle.

One key aspect when comparing rates is to make sure you enter the same physical damage deductibles and liability limits on every price quote and and to get rates from as many different companies as possible. This guarantees a fair rate comparison and maximum price selection.

Insurance quote for Chevy Cruze in BakersfieldSurprisingly, a recent survey revealed that the vast majority of California auto insurance customers kept their policy with the same company for four years or more, and approximately 40% of consumers have never compared rates from other carriers. Drivers in the U.S. could save themselves approximately 46.5% a year, but they don’t want to take the time to do a rate comparison.

If you already have coverage, you will definitely be able to lower your rates using these methods. Finding quotes for the lowest cost car insurance policy in Bakersfield is not as time-consuming as you think. But California vehicle owners benefit from understanding how the larger insurance companies sell insurance online and apply this information to your search.

Affordable Chevy insurance rates in Bakersfield

The auto insurance companies shown below are our best choices to provide quotes in Bakersfield, CA. If several companies are displayed, we recommend you compare several of them to get the best price comparison.

Cheap Bakersfield auto insurance rates with discounts

Companies don’t always advertise every possible discount in a way that’s easy to find, so the below list has a few of the more well known and the harder-to-find ways to save on auto insurance.Cheaper auto insurance with discounts

Don’t be shocked that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you could get a free auto insurance policy, that’s just not realistic. But any discount will help reduce your overall bill.

Popular auto insurance companies and some of the discounts are included below.

If you are trying to find affordable Chevrolet Cruze insurance quotes, ask each company to apply every possible discount. Some credits may not apply in Bakersfield.

You Can Change Your Insurance Premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that play a part in calculating the level of your policy premiums. When consumers understand what determines base rates, this allows you to make good choices that could result in big savings.

Higher auto insurance rates for auto insurance policy lapses – Going without insurance is a fast way to increase your renewal premiums. In addition to paying higher premiums, getting caught without coverage may result in a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with the California DMV.

Safer vehicles lower premiums – Cars with five star safety ratings tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less passed on to you as lower rates.

Vehicle theft costs us all – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft.

When should you not file insurance claims? – If you file a lot of claims don’t be surprised to see higher premiums or even policy non-renewal. Insurance companies in California provide better rates to policyholders who do not file claims often. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.

Higher comp and collision deductibles lower rates – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Chevy. Some examples of claims that would be covered could be a dented fender, hitting a deer, and having your car stolen. The deductibles you choose represent how much money you are willing to pay if the claim is covered. The more you choose to pay out-of-pocket, the less money you will pay for auto insurance.

Use credit responsibly and save – Your credit score factor in determining premium rates. Consumers who have very high credit ratings tend to be less risk to insure than those with poor credit. Therefore, if your credit could use some work, you could save money insuring your Chevrolet Cruze if you improve your credit rating.

Discounts for married drivers – Having a significant other can get you a discount on your auto insurance policy. Having a significant other is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.

Insurance loss data for a Chevy Cruze – Insurance companies factor in insurance loss information to calculate a price that will offset losses. Models that the statistics show to have high amounts or severity of claims will have increased rates.

The table below outlines the historical loss data for Chevy Cruze vehicles. For each coverage type, the claim amount for all vehicles averaged together is represented as 100. Values below 100 imply a favorable loss record, while percentages above 100 point to more losses or a tendency for claims to be larger.

Chevrolet Cruze Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chevrolet Cruze 96 132 87 136 153 152

Statistics from for 2013-2015 Model Years

Local insurance agents

Many drivers still like to have an agent’s advice and that is OK! One of the great benefits of getting online price quotes is you can get the best rates but also keep your business local. And providing support for local agents is still important in Bakersfield.

Find insurance agent in BakersfieldFor easy comparison, once you complete this simple form, the quote information is instantly submitted to insurance agents in Bakersfield who will give you bids for your coverage. You won’t even need to contact any agents because quoted prices will be sent directly to your email. You can find better rates and a licensed agent to talk to. If you want to quote rates from a specific insurance company, don’t hesitate to find their quoting web page and fill out the quote form the provide.

If you need to find a reliable agent, there are two different types of agencies that you can select. Insurance agencies in Bakersfield may be either independent agents or exclusive agents.

Independent Insurance Agents

Agents in the independent channel are not restricted to one company and that is an advantage because they can write policies through many different insurance companies and get the cheapest rates. If prices rise, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rate quotes, it’s a good idea to get some free quotes from a couple of independent agencies to ensure the widest selection of prices. Most also write with different regional companies that can offer cheaper rates than bigger companies.

Featured below are independent insurance agents in Bakersfield that can give you rate quotes.

More Bakersfield agents

Exclusive Agencies

Exclusive agencies can only provide one company’s prices and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are very knowledgeable on what they offer which helps them sell on service rather than price. A lot of people buy insurance from these agents primarily because of the prominence of the brand rather than having the cheapest rates.

Shown below are Bakersfield exclusive insurance agencies willing to provide rate quotes.

More Bakersfield agents

Finding the right auto insurance agent shouldn’t rely on just a low price. Any agent in Bakersfield should be willing to answer these questions.

Quote more and you will save more

Cheaper car insurance in Bakersfield can be found both online in addition to many Bakersfield insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer rate quotes online and most of the time these smaller companies provide coverage only through independent agencies.

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, poor customer service and extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

When buying insurance coverage, do not buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Additional car insurance information can be found at the links below