Really, the only way to get affordable car insurance rates is to do a yearly price comparison from insurers who provide auto insurance in Bakersfield.
- First, read and learn about how companies set rates and the measures you can control to keep rates down. Many rating factors that cause rate increases such as traffic violations, accidents, and a not-so-good credit rating can be eliminated by making minor changes to your lifestyle. This article provides instructions to help reduce premium rates and find discounts that you may qualify for.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide prices for many different companies.
- Third, compare the new rate quotes to your current policy to determine if you can save on RL insurance. If you find a lower rate, make sure coverage does not lapse between policies.
- Fourth, provide proper notification to your current company to cancel your current coverage. Submit the completed application along with a down payment for your new coverage. Once received, put the proof of insurance paperwork in your glove compartment.
One thing to remember is to use the same liability limits and deductibles on every quote request and and to get rates from all possible companies. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.
It’s shocking but almost 70% of insureds have bought insurance from the same company for well over three years, and nearly 40% of drivers have never even compared quotes to find lower-cost rates. Bakersfield drivers can cut their rates by almost $470 a year by just comparing rate quotes, but they underestimate the benefits if they switched.
Our goal is to tell you the best way to buy inexpensive car insurance and also pocket some savings If you already have coverage, you should be able to reduce the price you pay using these methods. Smart shoppers only need an understanding of the most effective way to shop their coverage around from many different companies.
Most major insurance companies make it easy to get prices online. Doing online price comparisons for Acura RL insurance in Bakersfield is pretty painless as you simply enter your required coverages into a form. Upon sending the form, their quoting system gets credit information and your driving record and returns a price determined by many factors.
Quoting online for Acura RL insurance in Bakersfield simplifies rate comparisons, and it’s necessary to get many rate quotes in order to find affordable insurance pricing.
To quickly find out how much you’re overpaying now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you copy the coverage information identical to your current policy. This makes sure you’re receiving a fair comparison for similar insurance coverage.
The following companies provide price comparisons in California. If several companies are displayed, we suggest you compare several of them to find the most competitive car insurance rates.
Coverage statistics and figures
The rate table shown below showcases a range of rate quotes for Acura RL models. Having a better understanding of how insurance policy premiums are figured can help drivers make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $406 | $910 | $500 | $30 | $150 | $1,996 | $166 |
| RL 3.7 with Tech Package | $406 | $910 | $500 | $30 | $150 | $1,996 | $166 |
| RL 3.7 with Tech/CMBS Package | $406 | $910 | $500 | $30 | $150 | $1,996 | $166 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can decrease or increase rates greatly.
Deductible analysis
When buying car insurance, a common question is which deductible level should you buy. The rates below may help to illustrate the differences in premium rates of buying low and high physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| RL 3.7 with Tech Package | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| RL 3.7 with Tech/CMBS Package | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| RL 3.7 with Tech Package | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| RL 3.7 with Tech/CMBS Package | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can influence prices greatly.
Based on this data, using a $100 deductible will cost in the ballpark of $63 more each month or $756 for a full year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 14 months between claim filings, you would most likely save money by selecting a higher deductible.
The diagram below illustrates how choosing a deductible and can affect Acura RL insurance premiums for different insured age categories. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Rate difference between full and liability-only coverage
The chart below shows the comparison of Acura RL car insurance costs with full coverage and liability only. The premiums are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are factored in.
When to buy liability coverage only
There is no definitive rule to drop full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Acura RL claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If premium cost is more than $300 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Your situation helps dictate your coverage
When quoting and choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.
For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- What is the ISO rating for a Acura RL?
- Are my custom wheels covered?
- How high should my uninsured/underinsured coverage be in California?
- Is a blown tire covered by insurance?
- How do I insure my teen driver?
- What if I don’t agree with a claim settlement offer?
- How much cheaper are high deductibles?
- Where can I find DUI or SR-22 insurance?
- Does coverage extend to Mexico or Canada?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.
Are car insurance agents obsolete?
Many people prefer to visit with an insurance agent and there is nothing wrong with that. Professional insurance agents are trained risk managers and will help you if you have claims. A good thing about price shopping on the web is the fact that you can find cheap rate quotes and still choose a local agent. Buying from neighborhood agents is still important in Bakersfield.
Once you complete this short form, your coverage information gets sent to agents in your area who want to provide quotes for your insurance coverage. It makes it easy because there is no need to leave your house since price quotes are sent straight to your inbox. If you wish to get a price quote from a particular provider, don’t hesitate to search and find their rate quote page and complete a quote there.
Best car insurance agent in Bakersfield
If you need to find an insurance agent, there are two different types of agencies and how they work. Agents in Bakersfield are considered either independent (non-exclusive) or exclusive. Either type can write insurance policies, but it’s worth learning the difference between them because it can influence your agent selection.
Independent Insurance Agencies or Brokers
Agents that choose to be independent are not locked into one company so they can write business with an assortment of companies and find the cheapest insurance rates. If your agent finds better pricing, your agent can just switch to a different company which is easy for the insured. When comparison shopping, it’s recommended you include price quotes from independent agents to maximize your price options. Most have the option of insuring with smaller companies that may have much lower rates than larger companies.
Featured below is a short list of independent insurance agents in Bakersfield that can possibly get you free price quotes.
- Nationwide Insurance – Michaud Insurance Agency Inc
3795 Niles St – Bakersfield, CA 93306 – (661) 633-9900 – View Map - NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map - Baldwin Georgenton Insurance
4200 Truxtun Ave # 102 – Bakersfield, CA 93309 – (661) 327-8010 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide other company’s prices so they have no alternatives for high prices. They are well schooled in insurance sales which helps them compete with independent agents. Some insured continue to use the same agent partially due to the brand rather than having low rates.
Shown below are Bakersfield exclusive agents that are able to give price quotes.
- James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266 – View Map - Allstate Insurance: Ana M. Arreola
6649 Ming Ave – Bakersfield, CA 93309 – (661) 633-2633 – View Map - Allstate Insurance: Charles Brummer
4300 Coffee Rd, Ste A4 – Bakersfield, CA 93308 – (661) 283-0300 – View Map
Choosing an car insurance agent requires you to look at more than just a cheap quote. A good agent in Bakersfield will have answers to these questions.
- Does the company allow you to choose your own collision repair facility?
- Do they have cheaper tiers of coverage?
- Do they prorate repair cost based on vehicle mileage?
- Are they full-time agents?
- How long have they worked with personal auto insurance coverage?
- Is the agent CPCU or CIC certified?
If you receive good responses to your questions as well as a price you’re happy with, it’s possible that you found a car insurance agent that will insure your vehicles.