It takes a little time, but the best way to get more affordable Volvo XC70 insurance in Bakersfield is to compare prices annually from companies who sell auto insurance in California. Drivers can shop around by following these steps.
- Step 1: Try to learn a little about what is in your policy and the steps you can take to prevent rate increases. Many rating criteria that cause rate increases such as at-fault accidents, careless driving, and a poor credit score can be improved by making lifestyle changes or driving safer. This article provides instructions to help find cheaper rates and earn larger discounts.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can quote prices from many different companies.
- Step 3: Compare the quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and make a switch, make sure coverage does not lapse between policies.
- Step 4: Notify your current company to cancel your current car insurance policy and submit payment and a completed application to your new company or agent. Immediately upon receiving it, place your new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
The most important part of this process is to make sure you’re comparing the same coverage limits and deductibles on each price quote and and to analyze as many companies as you can. Doing this ensures an apples-to-apples comparison and a complete selection of prices.
Sadly, nearly 70% of customers kept buying from the same company for well over three years, and nearly 40% of drivers have never even compared quotes to find affordable rates. Bakersfield drivers could save roughly $470 each year just by getting comparison quotes, but they think it’s difficult to find affordable insurance rates.
If you have insurance now or just want cheaper coverage, take advantage of these tips to reduce the price you pay without reducing protection. Quoting the lowest-priced coverage in Bakersfield is actually quite simple. Smart shoppers only need an understanding of the most efficient way to shop their coverage around from many different companies.
Low Cost car insurance in Bakersfield, CA
The providers in the list below are ready to provide free quotes in Bakersfield, CA. If multiple companies are listed, it’s a good idea that you visit several of them to get a more complete price comparison.
Rates and other information
The premium table shown below outlines detailed analysis of insurance premium costs for Volvo XC70 models. Learning as much as possible about how car insurance prices are established can help you make smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC70 3.2 AWD Station Wagon||$334||$576||$480||$28||$144||$1,562||$130|
|XC70 T6 AWD 4-Dr||$334||$664||$480||$28||$144||$1,650||$138|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific Bakersfield garaging location which can alter price quotes substantially.
The illustration below demonstrates how deductible levels and can affect Volvo XC70 insurance costs for different age categories. The premiums assume a single female driver, full physical damage coverage, and no discounts are factored in.
Rate comparison of males versus females
The information below illustrates the comparison of Volvo XC70 car insurance costs for male and female drivers. The premiums are based on no accidents, no driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are applied.
Difference between liability only and full coverage rates
The diagram below shows the comparison of Volvo XC70 car insurance rates with and without full coverage. The data is based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.
Should you pay for full coverage or liability only?
There is no clear-cut rule of when to stop paying for full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more 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 Volvo XC70 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after you pay the deductible. If premiums are more than $200 annually to have full coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Companies offer lots of discounts on Volvo XC70 insurance in Bakersfield
Some insurers don’t list all their discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known car insurance savings.
- Military Rewards – Having a deployed family member may lower your premium rates slightly.
- Policy Bundle Discount – When you combine your homeowners and auto insurance with one insurance company you could get a discount of at least 10 to 15 percent or more.
- Claim Free – Claim-free drivers pay much less when compared to drivers with a long claim history.
- Accident Waiver – Not necessarily a discount, but certain companies may permit one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
- Good Student Discount – This discount may save as much as 25% on a Bakersfield auto insurance quote. Earning this discount can benefit you until age 25.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a Bakersfield auto insurance quote.
- Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
It’s important to note that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
The information below compares Volvo XC70 premium costs with and without policy discounts. The price estimates are based on a male driver, no tickets, no at-fault 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, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.
If you would like to see a list of insurance companies who offer car insurance discounts in California, click here.
Neighborhood agents and auto insurance
Some consumers still like to buy from a local agent and often times that is recommended Good insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is that you can find the best rates but still work with a licensed agent. And supporting neighborhood agents is especially important in Bakersfield.
To make it easy to find an agent, after completing this quick form, your coverage information is submitted to insurance agents in Bakersfield that can provide free Bakersfield auto insurance quotes for your business. It’s much easier because you don’t need to find an agent on your own since price quotes are sent immediately to you. If you have a need to compare rates from a specific insurance company, don’t hesitate to jump over to their website and fill out their quote form.
When searching for an insurance agent, it helps to know the two different types of agencies and how they are distinctly different. Auto insurance agents can either be independent agents or exclusive agents depending on their employer. Either type can write auto insurance policies, but it’s important to point out why they differ because it can influence which agent you choose.
Independent Auto Insurance Agencies or Brokers
Independent agents do not write with just one company so they can quote policies through many different auto insurance companies and find you the best rates. If your premiums go up, they can switch companies in-house and that require little work on your part. If you need lower rates, you will definitely want to get quotes from at a minimum one independent agency in order to compare the most rates. Many write coverage with less well-known companies which can be an advantage.
The following are independent agencies in Bakersfield that may be able to give you comparison quotes.
- Fox, James H – James H Fox Insurance
42 Bernard St – Bakersfield, CA 93305 – (661) 322-2023 – View Map
- Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map
- Edward J. Herrera Insurance Agency
2017 19th St – Bakersfield, CA 93301 – (661) 327-4028 – View Map
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are very knowledgeable in insurance sales which helps offset the inability to provide other markets. Some consumers prefer to buy from the same agent for years mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Bakersfield exclusive agents that are able to give price quotes.
- GEICO Insurance Agent
5550 California Ave #101 – Bakersfield, CA 93309 – (661) 431-1780 – View Map
- Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999 – View Map
- Sal Brito – State Farm Insurance Agent
1410 Wible Rd #107 – Bakersfield, CA 93304 – (661) 398-5144 – View Map
Picking the best insurance agency requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Are they in the agency full-time?
- How would your car be valued if totaled?
- Does the company have a solid financial rating?
- Are they involved in claim handling?
- Is the agency involved in supporting local community causes?
- Is their price quote a firm figure or are their hidden costs?
Auto insurance coverages
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since many California drivers carry very low liability coverage limits (15/30/5 in California), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Medical expense coverage
Med pay and PIP coverage pay for bills such as funeral costs, nursing services, doctor visits and surgery. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage
Coverage for liability
Liability insurance will cover damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things like pain and suffering, structural damage, funeral expenses, medical services and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The chart below shows why low liability limits may not be adequate.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as a broken windshield, falling objects, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for collisions
Collision coverage covers damage to your XC70 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your XC70 in order to get cheaper collision rates.
Find affordable rates by being thorough
Cheaper Volvo XC70 insurance in Bakersfield can be bought from both online companies in addition to many Bakersfield insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer rate quotes online and these smaller providers work with independent agencies.
Throughout this article, we presented a lot of techniques to get a better price on Volvo XC70 insurance in Bakersfield. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest Volvo XC70 rate quotes. Consumers may even find the lowest rates come from a small local company.
Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, policy cancellation, poor customer service and policy non-renewal. Regardless of your reason, choosing a new company can be easier than you think.
Additional auto insurance information can be read at these links: