Affordable Quotes for Chevy Malibu Insurance in Bakersfield

We don’t have to point out that fact that insurance companies don’t want you to compare rates. Insureds who shop around for cheaper rates are likely to buy a new policy because there is a good probability of finding a policy with more affordable rates. A survey found that drivers who made a habit of comparing rate quotes saved an average of $70 a month as compared to drivers who never compared rates.

If finding budget-friendly car insurance in Bakersfield is the reason you’re here, then having an understanding of the best way to shop and compare coverages can help simplify the task of finding more affordable coverage.

Discount Chevy Malibu insuranceThe preferred way to get cheaper Chevy Malibu insurance in Bakersfield is to compare prices regularly from insurance carriers in California. Rates can be compared by completing these steps.

First, get an understanding of how auto insurance works and the things you can control to drop your rates. Many factors that result in higher rates such as multiple speeding tickets and your credit history can be remedied by paying attention to minor details. Continue reading for instructions to help reduce prices and get bigger discounts that may have been overlooked.

Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple companies.

Third, compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Bakersfield. If you find a lower rate and decide to switch, make sure coverage is continuous and does not lapse.

An important note is to make sure you’re comparing identical limits and deductibles on every quote request and and to analyze every insurance company. Doing this provides a fair rate comparison and maximum price selection.

When looking for affordable Bakersfield car insurance quotes, there are a couple ways to obtain and compare prices from many different California insurance companies. The recommended way to find competitive Chevy Malibu insurance rates is to get quotes online. Keep in mind that getting more free quotes increases the chance that you will find the best offered rates. Not every company provides online rate quotes, so it’s important to compare prices from them as well.

The companies in the list below provide comparison quotes in California. If more than one company is shown, we recommend you click on several of them in order to get a fair rate comparison.

Why you need to buy auto insurance

Despite the high cost, paying for auto insurance may not be optional for several reasons.

The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. An average driver in America overpays as much as $800 each year so you should quote rates at every policy renewal to help ensure money is not being wasted.

Chevy Malibu insurance coverage information

The data table displayed below outlines detailed analysis of insurance premium costs for Chevy Malibu models. Understanding more about how rates are formulated is important for you to make smart choices when buying a car insurance policy.

Chevrolet Malibu Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $270 $454 $450 $26 $134 $1,334 $111
Malibu Hybrid $270 $454 $450 $26 $134 $1,334 $111
Malibu LT $304 $454 $450 $26 $134 $1,368 $114
Malibu LTZ $304 $536 $450 $26 $134 $1,450 $121
Get Your Own Custom Quote Go

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific garaging location which can modify premium rates considerably.

Higher deductibles save money

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The following tables approximate the rate difference when you choose different policy deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Chevrolet Malibu insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $380 $686 $442 $26 $132 $1,691 $141
Malibu Hybrid $380 $686 $442 $26 $132 $1,691 $141
Malibu LT $430 $686 $442 $26 $132 $1,741 $145
Malibu LTZ $430 $810 $442 $26 $132 $1,865 $155
Get Your Own Custom Quote Go

Chevrolet Malibu insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $210 $362 $442 $26 $132 $1,172 $98
Malibu Hybrid $210 $362 $442 $26 $132 $1,172 $98
Malibu LT $238 $362 $442 $26 $132 $1,200 $100
Malibu LTZ $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates significantly.

Based on the above data, using a $100 deductible will cost you approximately $46 more each month or $552 every year than selecting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 20 months between claim filings, you would save more money going with the higher deductible.

Impact of careless driving on Bakersfield auto insurance rates

The chart below shows how traffic citations and accidents can impact Chevy Malibu car insurance rates for different age categories. The costs are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.

Difference between full coverage and liability only rates

The illustration below compares Chevy Malibu auto insurance rates when comparing full coverage to liability only. The premium estimates are based on no claims or driving citations, $250 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying full coverage

There is no definitive rule of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy Malibu replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If you are paying over $200 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not buy liability only.

Insurance policy discounts you can’t miss

Companies don’t list every discount available very clearly, so the list below contains both well-publicized and also the lesser-known discounts you could be receiving when you buy Bakersfield car insurance online.Discount insurance

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts should help reduce the cost of your policy.

The illustration below visualizes the comparison of Chevy Malibu auto insurance rates with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage 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-car, multi-policy, safe-driver, and marriage discounts applied.

If you would like to view insurance companies with the best discounts in California, click this link.

Compare rate quotes but buy from a local Bakersfield insurance agency

Certain consumers still prefer to buy from a licensed agent and that is OK! A good thing about getting free rate quotes online is you can get cheaper auto insurance rates and still have an agent to talk to. Supporting local insurance agents is especially important in Bakersfield.

Insurance agents in BakersfieldTo help locate an agent, after submitting this form (opens in new window), your coverage information is transmitted to companies in Bakersfield who will return price quotes for your insurance coverage. You won’t even need to leave your house because quoted prices will be sent to you. You can most likely find cheaper rates and work with a local agent. If you want to get a rate quote from a specific company, you would need to search and find their rate quote page and fill out the quote form the provide.

If you need to find a local Bakersfield insurance agent, there are a couple of different types of agents that you can choose from. Car insurance agencies can be classified as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents

These agents are not limited to a single company and that is an advantage because they can write policies through many companies enabling the ability to shop coverage around. If they find a lower price, your policy is moved internally and you don’t have to switch agencies.

When comparing rate quotes, we recommend you get some free quotes from at a minimum one independent agency in order to compare the most rates. Many independent agencies also insure through companies you’ve never heard of which may provide better rates.

Featured below are independent insurance agents in Bakersfield who may be able to give you price quotes.

View more agents

Exclusive Insurance Agents

Exclusive agents can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are well trained on sales techniques which helps them sell insurance even at higher premiums. Consumers often use the same agent mainly due to the brand legacy and strong financial ratings.

Listed below is a short list of exclusive agents in Bakersfield that can give you price quotes.

View more agents

Selecting an car insurance agent should depend on more than just the premium amount. Any agent in Bakersfield should be willing to answer these questions.

After receiving acceptable answers for all questions you ask as well as an affordable premium quote, most likely you have located a car insurance agent that meets the requirements to service your policy. It’s important to know that consumers can cancel coverage when you choose so never feel that you are permanently stuck with the car insurance policy with no way out.

Auto insurance is unique, just like you

Keep in mind that when it comes to choosing coverage, there is no “perfect” insurance plan. Each situation is unique.Higher deductibles save money

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Shop smart and save

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at the best possible price.

Lower-priced Chevy Malibu insurance in Bakersfield is attainable both online as well as from insurance agents, so get free Bakersfield car insurance quotes from both of them to get a complete price analysis. Some insurance providers do not offer online rate quotes and usually these smaller providers provide coverage only through local independent agents.

We just showed you many tips how you can get a better price on Chevy Malibu insurance in Bakersfield. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the least-expected company.

Other information