If you want to find the absolute lowest rates, then the best way to quote cheaper Chevy HHR insurance in Bakersfield is to do an annual price comparison from companies in California. Rate comparisons can be done by following these steps.
First, take a little time to learn about car insurance and the things you can change to keep rates down. Many factors that result in higher prices like your driving record and a lousy credit rating can be eliminated by making small lifestyle or driving habit changes.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple sources.
Third, compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save some money, make sure coverage does not lapse between policies.
A crucial key to this process is to compare identical coverages on each price quote and and to get price quotes from as many car insurance companies as possible. This ensures a fair rate comparison and the best rate selection.
It’s amazing but most drivers in California have bought car insurance from the same company for at least the last four years, and nearly half have never compared rates from other carriers. American consumers could cut their rates by approximately $850 a year, but they don’t invest the time required to do a rate comparison.
If you currently have car insurance, you will most likely be able to find the best rates using this information. Our goal is to teach you how car insurance quotes work. But California drivers do need to learn how the larger insurance companies sell online and apply this information to your search.
Best companies for cheap Chevy HHR insurance in California
The companies shown below are our best choices to provide price comparisons in Bakersfield, CA. If multiple providers are shown, it’s a good idea that you visit as many as you can to find the most competitive auto insurance rates.
Statistics and details
The rate information displayed below highlights estimates of coverage prices for Chevy HHR models. Learning how insurance prices are formulated is important for drivers to make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific Bakersfield garaging location which can affect coverage rates substantially.
The diagram below demonstrates how deductibles and can affect Chevy HHR yearly insurance costs for each age group. Data assumes a single female driver, comp and collision included, and no discounts are factored in.
Cost of full coverage
The information below illustrates the comparison of Chevy HHR car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The information is based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no clear-cut rule to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s say your Chevy HHR book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your deductible. If it’s costing in excess of $600 annually for full coverage, then it might be time to buy liability only.
There are a few cases where removing full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Auto insurance discounts are available to get cheap rates
Companies don’t always publicize every discount available very well, so the list below contains a few of the more common and the harder-to-find auto insurance savings.
- No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies may permit one accident before they charge you more for coverage if your claims history is clear prior to the accident.
- Anti-lock Brakes – Cars with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
- Data Collection Discounts – Drivers who elect to allow data collection to study driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they are good drivers.
- Switch and Save Discount – Select auto insurance companies give a discount for switching policies prior to your current HHR insurance policy expiring. You can save around 10% with this discount.
- Driver Education Discount – Require your teen driver to enroll in driver’s education in school.
- Auto/Home Discount – If you can combine your home and auto policy with one insurance company you may earn at least 10% off all policies.
- Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Defensive Driver – Taking part in a course that instructs on driving safety is a good idea and can lower rates if you qualify.
Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.
The diagram below illustrates the comparison of Chevy HHR auto insurance costs with and without policy discounts. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, multi-car, homeowner, and claim-free discounts applied.
The best auto insurance companies and some of the discounts are outlined below.
- State Farm may offer discounts for good student, Steer Clear safe driver discount, driver’s education, multiple policy, passive restraint, and safe vehicle.
- GEICO offers discounts including defensive driver, military active duty, multi-vehicle, good student, daytime running lights, and air bags.
- Liberty Mutual offers premium reductions for new graduate, multi-policy, multi-car, hybrid vehicle, new move discount, exclusive group savings, and teen driver discount.
- The Hartford may include discounts for vehicle fuel type, bundle, defensive driver, air bag, and anti-theft.
- MetLife has savings for good driver, defensive driver, multi-policy, good student, claim-free, accident-free
- Progressive policyholders can earn discounts including online quote discount, online signing, continuous coverage, multi-vehicle, multi-policy, homeowner, and good student.
Before you buy a policy, ask each insurance company how you can save money. Some of the discounts discussed earlier may not apply to policyholders in Bakersfield. To find auto insurance companies with discount rates in California, click here to view.
Compare rate quotes but buy from a local neighborhood Bakersfield car insurance agent
Some people still like to have an agent’s advice and often times that is recommended One of the best bonuses of comparing auto insurance online is you can get the lowest rates but also keep your business local.
For easy comparison, once you complete this quick form, the coverage information is sent to companies in Bakersfield who want to provide quotes for your business. You don’t have to leave your computer due to the fact that quote results will go instantly to you. You can get cheaper auto insurance rates without having to waste a lot of time. If you wish to get a rate quote from a specific company, you would need to find their quoting web page and complete a quote there.
Choosing a company needs to be determined by more than just a cheap price quote. Any agent in Bakersfield should have no problem answering these questions:
- How long have they worked with personal auto insurance coverage?
- Does the agency provide any after hours assistance?
- Can they provide you with a list of referrals?
- Do they write coverage based solely on cost?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
When finding a good insurance agency, there are two different types of agencies and how they can quote your rates. Agents can be classified as either independent or exclusive depending on the company they work for.
Agents in the exclusive channel can only provide one company’s prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage. Some consumers prefer to buy from the same agent for years mainly due to the prominent brand name and the convenience of having a single billing for all their coverages.
The following are exclusive insurance agents in Bakersfield that can give you price quotes.
- Keith Goree – State Farm Insurance Agent
11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000 – View Map
- Farmers Insurance – E Bob White
3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000 – View Map
- State Farm: Janet Hopkins
1528 18th St – Bakersfield, CA 93301 – (661) 327-8621 – View Map
Independent Auto Insurance Agencies
Independent insurance agents are not restricted to one company so they can write business through lots of different companies and find the cheapest rate. If they quote lower rates, your policy is moved internally and you won’t have to switch agencies.
If you need cheaper auto insurance rates, it’s recommended you get rate quotes from independent agents for the best price selection. Most can insure with small regional insurance companies which can be an advantage.
The following is a short list of independent insurance agencies in Bakersfield that are able to give comparison quotes.
- Nationwide Insurance – Michaud Insurance Agency Inc
3795 Niles St – Bakersfield, CA 93306 – (661) 633-9900 – View Map
- Lorena Magana Insurance Agency, Inc.
4141 Ming Ave – Bakersfield, CA 93309 – (559) 783-9550 – View Map
- California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map
If you receive good feedback to your questions as well as a price you’re happy with, you’ve probably found an insurance agent that will properly service your auto insurance policy.
What is the best car insurance company in Bakersfield?
Finding the right auto insurance company can be a challenge considering how many companies sell insurance in Bakersfield. The company rank data in the next section may help you select which providers to look at when comparing rate quotes.
Top 10 Bakersfield Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Specific coverage details
Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like theft, hitting a bird, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision insurance will pay to fix damage to your HHR caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like rolling your car, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible on your HHR to bring the cost down.
Coverage for liability
Liability insurance protects you from damage that occurs to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability can pay for claims like repair bills for other people’s vehicles, bail bonds, attorney fees, medical services and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing more coverage.
The illustration below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Chevy HHR.
Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Compare but don’t skimp
Low-cost Chevy HHR insurance in Bakersfield is available both online in addition to many Bakersfield insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and many times these small insurance companies work with independent agents.
Drivers change insurance companies for many reasons like delays in paying claims, not issuing a premium refund, poor customer service or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.
As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. The goal is to get the best coverage possible at the best possible price.
To learn more, link through to these articles:
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for Drivers Requiring a SR22 in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Quotes for Business Use in Bakersfield? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Driving in Bad Weather (Insurance Information Institute)