Astonishing but true according to a recent study, over 70% of consumers kept their coverage with the same car insurance company for more than four years, and almost 40% of drivers have never quoted rates to find cheaper coverage. Many drivers in California can save as much as 35% each year, but they don’t believe the amount of money they would save if they switched to a cheaper policy.
The best way we recommend to get discount auto insurance rates in Bakersfield is to compare prices regularly from insurers that sell auto insurance in California.
First, read and learn about what is in your policy and the steps you can take to drop your rates. Many things that are responsible for high rates like accidents, traffic tickets, and a negative credit rating can be improved by making small lifestyle or driving habit changes.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while independent agencies can provide price quotes for many different companies. View rates
Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate in Bakersfield. If you can save some money, make sure there is no coverage gap between policies.
Fourth, give proper notification to your current agent or company of your intention to cancel your current coverage and submit the completed application along with a down payment to your new insurance company. Don’t forget to keep the new certificate of insurance in your glove compartment.
An important part of this process is to make sure you enter similar limits and deductibles on each quote and and to get price estimates from as many companies as feasibly possible. This helps ensure the most accurate price comparison and a good representation of prices.
Companies offering Cadillac ATS insurance in Bakersfield
The companies in the list below are our best choices to provide free rate quotes in Bakersfield, CA. If more than one company is shown, we suggest you compare several of them to get the best price comparison.
Take these ten policy discounts and save on Cadillac ATS insurance in Bakersfield
Not many people think insurance is cheap, but you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be manually applied in order for you to get them.
- 55 and Retired – Older drivers may be able to get a discount up to 10%.
- Defensive Driving Course – Taking part in a safe driver class could cut 5% off your bill and make you a better driver.
- Safe Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their Bakersfield auto insurance quote compared to accident prone drivers.
- Multi-car Discount – Buying a policy with multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
- Telematics Data Discounts – Bakersfield drivers who agree to allow their auto insurance company to monitor driving manner by using a telematics device such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
- Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
- Seat Belts Save – Requiring all passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
- Buy New and Save – Buying a new car instead of a used ATS can be considerably cheaper since newer models are generally safer.
- Military Discounts – Having an actively deployed family member could mean lower prices.
- Good Student Discount – This discount can save 20 to 25%. Most companies allow this discount up to age 25.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help lower the cost of coverage.
Some of the insurance companies that possibly offer some of the discounts shown above include:
- State Farm
- Liberty Mutual
- American Family
- Progressive
- Farmers Insurance
- Auto-Owners Insurance
- SAFECO
When getting free Bakersfield auto insurance quotes, it’s a good idea to every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be available everywhere. If you would like to choose from a list of auto insurance companies that can offer you the previously mentioned discounts in California, click this link.
Auto insurance quotes from neighborhood Bakersfield auto insurance agents
Certain consumers still prefer to buy from a licensed agent and doing so can bring peace of mind Good insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is the fact that drivers can get the best rates but also keep your business local.
By using this form (opens in new window), your information is instantly submitted to local insurance agents in Bakersfield that can give you free Bakersfield auto insurance quotes for your insurance coverage. You won’t need to contact any agents because prices are sent directly to you. If you wish to quote rates from a specific auto insurance provider, you would need to find their quoting web page and give them your coverage information.
Finding the right insurance company is decision based upon more than just a low price. Agents should be asked these questions:
- How does the company pay claims for a total loss?
- Do they receive special compensation for putting your coverage with one company over another?
- Does their agency support local causes in Bakersfield?
- Can they help ensure a fair claim settlement?
- How many companies do they write for?
- Do the companies they represent have a solid financial rating?
- What discounts might you be missing?
If you want to use a local agent, it’s important to understand the different types of agents to choose from. Auto insurance agents in Bakersfield are considered either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles properly, but it’s important to point out how they are different because it can influence your agent selection.
Exclusive Insurance Agencies
These type of agents can only write with one company and examples are State Farm, Allstate and AAA. Exclusive agents are unable to place coverage with different providers so keep that in mind. Exclusive agencies are trained well on what they offer and that allows them to sell at a higher price point. Consumers frequently buy from the same agent for years partially due to the prominent brand name and solid financial strength.
Below are Bakersfield exclusive insurance agents who may provide you with price quotes.
- James Banks – State Farm Insurance Agent
1525 Columbus St #400 – Bakersfield, CA 93305 – (661) 872-5140 – View Map - Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420 – View Map - Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999 – View Map
Independent Agencies or Brokers
Independent agents are not employed by any specific company and that is an advantage because they can write policies with lots of companies and find you the best rates. If prices rise, they can switch companies in-house and the insured can keep the same agent.
When searching for an agent, you need to get rate quotes from independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with mutual insurance companies which can be an advantage.
The following is a short list of independent insurance agencies in Bakersfield who can help you get price quote information.
- Paul Sheldon Insurance and Benefits Planning
5251 Office Park Dr #100 – Bakersfield, CA 93309 – (661) 398-2298 – View Map - Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map - Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map
After receiving good feedback to any questions you may have as well as inexpensive Cadillac ATS insurance in Bakersfield quotes, it’s a good possibility that you have found an insurance agent that is professional and can insure your vehicles. Keep in mind consumers can cancel your policy at any time so never feel that you are permanently stuck with a specific company with no way out.
Learn about auto insurance coverages for a Cadillac ATS
Understanding the coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills such as nursing services, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as a broken windshield, falling objects, damage from getting keyed and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Cadillac ATS.
Due to the fact that many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Coverage for liability – This coverage protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/5 which stand for a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for things like pain and suffering, medical expenses, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The illustration below shows why low liability limits may not provide adequate coverage.
Collision – Collision coverage covers damage to your ATS from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your ATS to save money on collision insurance.
What is the best car insurance company in California?
Selecting the highest-rated insurer can be rather challenging considering how many companies sell coverage in California. The company information in the next section could help you decide which auto insurance companies to look at to insure your vehicles.
Top 10 Bakersfield Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Bakersfield Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Persistence will pay off
The cheapest Cadillac ATS insurance in Bakersfield can be purchased from both online companies and from local agencies, so get free Bakersfield auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not offer rate quotes online and usually these small, regional companies sell through local independent agencies.
As you quote Bakersfield auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.
We just presented quite a bit of information on how to reduce Cadillac ATS insurance premium rates online in Bakersfield. It’s most important to understand that the more times you quote, the better chance you’ll have of finding inexpensive Bakersfield auto insurance quotes. Drivers may even discover the lowest premium rates come from a small mutual company.
Much more information about insurance in California can be found on the following sites:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Rates for a Honda Accord in Bakersfield? (FAQ)
- Who Has Cheap Bakersfield Car Insurance for High Risk Drivers? (FAQ)
- Who Has the Cheapest Bakersfield Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has Cheap Auto Insurance for Low Income Drivers in Bakersfield? (FAQ)
- How Much is Car Insurance for 16 Year Olds in Bakersfield? (FAQ)
- All About Airbag Safety (State Farm)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)