It’s a known fact that car insurance companies don’t want their customers to go rate shopping. Insureds who shop around for a cheaper policy are very likely to buy a new policy because they stand a good chance of finding a lower-priced company. A recent car insurance study revealed that consumers who faithfully checked for cheaper rates saved on average $3,500 over four years as compared to drivers who never shopped for cheaper rates.
If finding the most affordable auto insurance is the reason you’re here, then having some insight into the best way to shop and compare insurance premiums can save time and make the process easier.
If your goal is the lowest price, then the best way to get budget car insurance rates is to compare quotes annually from companies who sell insurance in Bakersfield. Rate comparisons can be done by completing these steps.
First, try to learn a little about how auto insurance works and the measures you can take to keep rates in check. Many policy risk factors that are responsible for high rates like accidents, careless driving, and a bad credit rating can be improved by making minor driving habit or lifestyle changes. Read the full article for additional tips to find cheap prices and find hidden discounts.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple companies.
Third, compare the price quotes to your existing coverage to see if a cheaper rate is available. If you find a better price, ensure there is no coverage lapse between policies.
Fourth, provide written notification to your current company of your intent to cancel your existing policy and submit a down payment along with a signed application to the newly selected company. As soon as you can, safely store the certificate verifying proof of insurance in your vehicle.
The most important part of shopping around is to compare identical deductibles and limits on every quote and and to compare all possible companies. Doing this ensures a fair price comparison and a thorough selection of prices.
The best way to compare car insurance rates for Land Rover Discovery insurance in Bakersfield is to take advantage of the fact car insurance companies provide online access to give free rates quotes. To start a quote, the only thing you need to do is provide information including what you do for a living, how many miles driven, an estimate of your credit level, and if a SR-22 is needed. The rating information is instantly submitted to multiple companies and you will receive price estimates very quickly.
To check rates for your Land Rover Discovery now, click here and enter the information requested.
The auto insurance companies shown below are ready to provide free rate quotes in Bakersfield, CA. If the list has multiple companies, we suggest you visit as many as you can to get the best price comparison.
Insurance just makes sense
Despite the potentially high cost of Land Rover Discovery insurance, paying for insurance is required in California but also provides important benefits.
First, just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability protection in order to drive the car. 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.
Second, if you have a lien on your Land Rover Discovery, more than likely the lender will require that you have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Land Rover for a lot more money and require you to fork over a much higher amount than you were paying before.
Third, insurance preserves not only your Land Rover Discovery but also your assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If you have damage to your Land Rover as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your Discovery greatly outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
Land Rover Discovery Insurance Rates Can Be More Affordable
When buying car insurance it’s important to understand the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to better car insurance rates.
Shown below are a few of the things used by your company to calculate your premiums.
Add-on coverages can cost a lot – There are quite a few add-on coverages that you can get tricked into buying on your car insurance policy. Coverage for things like roadside assistance, high-cost glass coverage, and extra life insurance coverage could be just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
GPS tracking and theft deterrents lower rates – Buying a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
Tickets will cost you – Good drivers tend to pay less for car insurance as compared to careless drivers. Only having one chargeable violation can boost insurance rates twenty percent or more. People who have flagrant citations like reckless driving or DUI may need to file a SR-22 with their state in order to legally drive a vehicle.
Multi-policy discounts can save money – Many insurance companies afford lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to check prices from other companies to guarantee you are still saving the most.There is a chance you can find a better deal by buying car insurance from a different company.
Consider raising comp and collision deductibles – The deductibles you choose represent how much money you are required to spend if the claim is covered. Protection for physical damage, aka comp and collision, protects your car from damage. Some instances where coverage would apply would be collision with another vehicle, fire damage, or theft of your vehicle. The more of the claim you are required to pay out-of-pocket, the less your car insurance will be.
Is you employer costing you more? – Did you know your job can affect your rates? Jobs like fire fighters, airline pilots, and financial analysts usually pay higher rates than the rest of us due to intense work requirements and long work hours. On the flip side, professions such as actors, athletes and retirees get better rates.
Shop smart and save
Consumers change insurance companies for many reasons like questionable increases in premium, being labeled a high risk driver, denial of a claim and even unfair underwriting practices. Whatever your reason, switching insurance companies is actually quite simple.
When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.
Some insurance companies may not provide online quoting and usually these smaller companies only sell through local independent agents. Cheap Land Rover Discovery insurance in Bakersfield is definitely available on the web as well as from independent agents in Bakersfield, so you should compare both to have the best rate selection.
Additional information is located at these links:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has the Cheapest Bakersfield Auto Insurance for Unemployed Drivers? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 70 in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Quotes for Business Use in Bakersfield? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Bakersfield? (FAQ)
- Learn About Car Insurance (GEICO)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)