If you want to save the most money, the best way to get the cheapest car insurance rates is to do an annual price comparison from different companies in Bakersfield. Rates can be compared by following these steps.
- First, try to comprehend how car insurance works and the things you can change to prevent high rates. Many things that cause high rates such as speeding and an imperfect credit score can be amended by being financially responsible and driving safely.
- Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while agents who are independent can quote rates from multiple insurance companies. Select a company
- Third, compare the new rate quotes to the premium of your current policy and determine if cheaper GX 460 coverage is available. If you find better rates and buy the policy, make sure there is no lapse in coverage.
- Fourth, provide proper notification to your current company of your decision to cancel your existing policy and submit payment and a completed application to the new company. Make sure you safely store the certificate of insurance with your vehicle’s registration.
The most important part of this process is to try to compare identical coverages on every quote request and and to get price quotes from as many different companies as possible. This ensures the most accurate price comparison and the best price selection.
Regrettably, most drivers kept buying from the same company for more than four years, and approximately 40% of consumers have never compared rates from other carriers. Many drivers in California can save hundreds of dollars each year just by getting comparison quotes, but they don’t understand how simple it is to compare rates online.
If you have insurance now or just want cheaper rates, use these techniques to reduce the price you pay without reducing coverage. Buying the cheapest car insurance in Bakersfield seems hard but is not really that difficult. Comparison shoppers just have to know the fastest way to shop their coverage around instantly.
The companies in the list below are our best choices to provide free rate quotes in California. If the list has multiple companies, we recommend you get rate quotes from several of them to get a more complete price comparison.
Rates and data analysis
The information shown below outlines different prices for Lexus GX 460 models. Learning more about how insurance rates are formulated can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $416 | $764 | $450 | $26 | $134 | $1,790 | $149 |
| GX 460 Premium 4WD 4-Dr | $458 | $764 | $450 | $26 | $134 | $1,832 | $153 |
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in vehicle location which can impact coverage rates substantially.
Impact of citations and accidents on Bakersfield insurance rates
The example below demonstrates how citations and accident claims influence Lexus GX 460 annual premium costs for different age groups. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Yearly insurance costs for men versus women
The illustration below shows the comparison of Lexus GX 460 insurance costs for male and female drivers. The prices are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no additional discounts are factored in.
Companies offer money-saving discounts on Lexus GX 460 insurance in Bakersfield
Some insurers do not advertise every policy discount in a way that’s easy to find, so the next list breaks down both well-publicized and also the lesser-known credits available to lower your premiums when you buy Bakersfield auto insurance online.
- Passive Restraints – Vehicles equipped with air bags can get savings of 25 to 30%.
- Drive Less and Save – Keeping the miles down on your Lexus could be rewarded with substantially lower premium rates.
- Multi-policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you could get a discount of nearly 15% which can help you find affordable Lexus GX 460 insurance rates in Bakersfield.
- Student Discounts – A discount for being a good student may save you up to 25%. The discount lasts up until you turn 25.
- Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks with one company could earn a price break for each car.
- Claim Free – Insureds who avoid accidents and claims can save substantially in comparison to policyholders that have many claims.
A quick disclaimer, some credits don’t apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.
The illustration below visualizes the comparison of Lexus GX 460 insurance costs with and without discounts applied. The rates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, marriage, and multi-car discounts applied.
Larger car insurance companies and their possible discounts are outlined below.
- State Farm may include discounts for defensive driving training, multiple policy, Drive Safe & Save, safe vehicle, passive restraint, good student, and anti-theft.
- GEICO offers premium reductions for anti-theft, driver training, military active duty, multi-policy, and good student.
- Liberty Mutual includes discounts for new move discount, hybrid vehicle, multi-car, multi-policy, new graduate, preferred payment discount, and newly retired.
- The Hartford has discounts for vehicle fuel type, anti-theft, bundle, defensive driver, good student, and air bag.
- MetLife offers discounts including good driver, accident-free, defensive driver, claim-free, good student, and multi-policy.
- Progressive may offer discounts for multi-policy, good student, online quote discount, homeowner, online signing, multi-vehicle, and continuous coverage.
Before buying, ask all the companies which discounts you qualify for. Savings might not apply in Bakersfield. To view companies that offer many of these discounts in Bakersfield, follow this link.
Why you need vehicle insurance in California
Even though Bakersfield GX 460 insurance rates can get expensive, maintaining insurance may be required for several reasons.
- The majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability coverage in order to license the vehicle. 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.
- If you took out a loan on your GX 460, it’s most likely the lender will have a requirement that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your Lexus for a much higher rate and force you to pay much more than you were paying before.
- Auto insurance preserves both your Lexus and your personal assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of having auto insurance definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $820 a year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.
How to find a good Bakersfield car insurance company
Finding the highest-rated insurance company can be rather challenging considering how many choices drivers have in Bakersfield. The ranking data below could help you decide which auto insurance companies you want to consider comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
When do I need an agent’s advice?
Always keep in mind that when comparing coverage, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover if you may require specific advice.
- Do I need special endorsements for business use of my vehicle?
- Do I get a pro-rated refund if I cancel my policy early?
- Can I afford to pay high deductible claims out of pocket?
- What does roadside assistance cover?
- What are the financial responsibility laws in my state?
- Am I covered when driving a rental car?
- Does car insurance cover theft of personal property?
- Do I need an umbrella policy?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Local insurance agents
Many people would prefer to have an agent’s advice and doing so can bring peace of mind Professional agents can help determine the best coverages and help file insurance claims. A good thing about comparing car insurance online is the fact that you can find lower rates and still have an agent to talk to. And supporting local agencies is definitely important in Bakersfield.
After filling out this simple form, the coverage information is immediately sent to participating agents in Bakersfield that can provide free Bakersfield auto insurance quotes for your insurance coverage. You don’t have to search for any insurance agencies due to the fact that quote results will go instantly to you. If you wish to compare prices for a specific company, feel free to navigate to their website and complete a quote there.
Shown below is a short list of insurance companies in Bakersfield that can give you rate quotes for Lexus GX 460 insurance in Bakersfield.
Farmers Insurance – James Burton Jr.
1309 S H St – Bakersfield, CA 93307 – (661) 836-1300 – View Map
State Farm: Janet Hopkins
1528 18th St – Bakersfield, CA 93301 – (661) 327-8621 – View Map
Allstate Insurance: Diana Martinez
6300 White Ln T – Bakersfield, CA 93309 – (661) 827-8800 – View Map
Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 – View Map
Choosing the best company needs to be determined by more than just a cheap quote. The following questions are important to ask.
- Do they get paid more for recommending certain coverages?
- Do they offer rental car reimbursement?
- Do they write coverage based solely on cost?
- Do the companies they represent have a solid financial rating?
- Is insurance their full-time profession?
- Did they already check your driving record and credit reports?