Car Insurance Quotes for a Chrysler Town and Country in Bakersfield

Trying to find the cheapest insurance for a Chrysler Town and Country in California can be difficult, but you can use the following methods to save time.

There is a better way to find car insurance online and you need to know the absolute fastest way to price shop coverage on a Chrysler and obtain the cheapest rates from Bakersfield insurance agents and online providers.

Compare free Bakersfield Chrysler Town and Country insurance rate quotes

Finding cheaper Bakersfield car insurance prices can be relatively painless. Just spend a few minutes on the computer to compare rates from online providers.

The companies shown below provide quotes in Bakersfield, CA. If multiple companies are listed, it’s highly recommended you compare several of them to get the best price comparison.

Insurance statistics and figures

The rate table shown next highlights a range of insurance premium costs for Chrysler Town and Country models. Learning more about how prices are determined can assist in making decisions on which coverage to buy.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific location which can affect coverage prices noticeably.

Physical damage deductible comparison

One frequently asked question is the level to set your comp and collision deductibles. The following insurance rates may help you to understand the rate fluctuation when you select higher and lower deductibles. The first rate table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in zip code location which can affect coverage prices considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you about $32 more each month or $384 annually averaged for all Town and Country models than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claim filings, you would come out ahead going with the higher deductible.

An important thing to remember is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. That will necessitate some non-essential savings in the event you have to pay more to get your vehicle repaired.

The example below demonstrates how choosing different deductibles and can influence Chrysler Town and Country annual premium costs for each age group. The data assumes a married female driver, comp and collision included, and no other discounts are factored in.

Should you buy full coverage?

The example below compares Chrysler Town and Country insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no violations or accidents, $250 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no specific rule for phasing out comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your Chrysler Town and Country replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your deductible. If you are currently paying more than $200 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Discounts can help lower premiums on Chrysler Town and Country insurance in Bakersfield

Car insurance can cost a lot, but you might find some hidden discounts that could help you make your next renewal payment. Most are applied at the time of quoting, but some must be asked about prior to receiving the credit.

• Discount for Home Ownership – Owning a house in Bakersfield can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
• E-sign Discounts – Many larger companies will give a small break for completing your application online.
• Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles are generally safer.
• Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Defensive Driver Discounts – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
• Discount for Multiple Policies – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
• Government Employees – Being employed by or retired from a federal job can save as much as 8% but check with your company.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you won’t be that lucky.

The chart below shows the comparison of Chrysler Town and Country auto insurance costs with and without policy discounts. The price estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-policy, and multi-car discounts applied.

Insurance companies who may offer these money-saving discounts may include but are not limited to:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

If you need lower rates, check with all the companies to apply every possible discount. Discounts may not apply to policyholders in Bakersfield. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts in California, click here.

Car insurance in California serves several purposes

Despite the potentially high cost of Chrysler Town and Country insurance, insuring your vehicle may be required for several reasons.

• Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. 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 your vehicle has a lienholder, more than likely the lender will stipulate that you buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Chrysler at a more expensive rate and require you to fork over much more than you were paying before.
• Car insurance preserves both your vehicle and your assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, your car insurance policy will pay to repair the damage.

The benefits of having car insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in America is wasting up to $700 annually so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Should I get advice from an agent?

A lot of people prefer to have an agent’s advice and that can be a great decision Most agents are trained risk managers and help you file claims. A good thing about getting online price quotes is you may find better rates and also buy local. Putting coverage with small agencies is important especially in Bakersfield.

To help locate an agent, after submitting this quick form, the quote information is immediately sent to companies in Bakersfield who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent to you. If for some reason you want to get a comparison quote from one company in particular, don’t hesitate to visit that company’s website and complete a quote there.

When researching a local insurance agency, it helps to know the two different agency structures and how they function. Insurance agencies in Bakersfield may be either independent agents or exclusive agents depending on their employer. Either can insure your vehicles properly, but it’s important to know the difference in how they write coverage because it can factor into which agent you choose.

Independent Insurance Agents (or Brokers)

Agents in the independent channel do not work for one specific company so they can write business with lots of companies and find you cheaper rates. If they quote lower rates, they simply move the coverage in-house and you don’t have to do anything. When shopping rates, we recommend you get several quotes from a few independent agents for the best price selection. Most have the option of insuring with small regional insurance companies which may have better rates.

Below is a short list of independent agencies in Bakersfield who may be able to give you cheap rate quotes.

• Hay Insurance Agency Inc.
  4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933 – View Map
• NSE Insurance Agencies, Inc.
  5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map
• Miroslava Hernandez Insurance Agency
  6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map

View more agents

Exclusive Insurance Agencies

Exclusive agents can only provide one company’s prices and some examples include AAA, Allstate, and State Farm. They usually cannot provide prices from multiple companies so always compare other rates. Exclusive agents receive extensive training on their company’s products and that allows them to sell at a higher price point. Consumers often buy from the same agent for years mostly because of high brand loyalty rather than having the cheapest rates.

Shown below are Bakersfield exclusive insurance agents willing to provide rate quotes.

• Dennis Stitt – State Farm Insurance Agent
  1811 Oak St Ste 155 – Bakersfield, CA 93301 – (661) 327-6990 – View Map
• Farmers Insurance: Ruth Escobar
  400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420 – View Map
• Farmers Insurance – E Bob White
  3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000 – View Map

View more agents

Deciding on an car insurance agent is decision based upon more than just a low price. Here are some questions to ask:

• Who is covered by the car insurance policy?
• In the event of vehicle damage, can you pick the collision repair facility?
• Will the company cover a rental car if your car is getting fixed?
• Does the agent help file claims?
• Are there any discounts that you might be missing?
• Do they regularly work with personal auto policies in Bakersfield?