Cheapest Insurance for a Mazda Tribute in Bakersfield

Unbelievably, nearly 70% of customers have purchased from the same company for at least the last four years, and just under half have never shopped around. California drivers could cut their rates by as much as 35% a year by just shopping around, but they don’t understand how simple it is to compare rates and save money.

If saving the most money is your goal, then the best way to get budget car insurance rates in Bakersfield is to do a yearly price comparison from different companies who provide car insurance in California. This can be done by following these guidelines.

• First, spend some time learning about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many rating criteria that result in higher rates like inattentive driving and a lousy credit rating can be controlled by making lifestyle changes or driving safer. This article provides more details to help prevent expensive coverage and get discounts that may be available to you.
• Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes for a wide range of insurance providers.
• Third, compare the price quotes to your current policy to see if a cheaper price is available. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, notify your current company of your intent to cancel your current car insurance policy and submit the application along with any required down payment to your new insurance company. As soon as you can, place the new certificate of insurance in an easily accessible location in your vehicle.

A key point to remember is that you’ll want to make sure you compare the same amount of coverage on every quote request and and to get quotes from every insurance company. This enables the most accurate price comparison and a complete selection of prices.

The method we recommend to get policy rate comparisons for Mazda Tribute insurance in Bakersfield is to know the trick all the major auto insurance companies allow for online access to give you rate quotes. The only thing you need to do is give the companies some data such as if you require a SR-22, distance driven, if you’re married, and what you do for a living. That information gets sent immediately to multiple different insurance companies and they provide comparison quotes within a short period of time.

To start a rate quote now, click here then complete the form.

The companies shown below are our best choices to provide comparison quotes in Bakersfield, CA. If more than one company is shown, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.

Rates and data analysis

The premium information displayed next covers estimates of insurance costs for Mazda Tribute models. Being more informed about how insurance policy premiums are established can help drivers make smart choices when comparing insurance quotes.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific zip code location which can affect insurance rates greatly.

Deductible comparison

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below can help illustrate the premium difference between low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can modify coverage prices substantially.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $30 more each month or $360 each year across all Mazda Tribute models than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 13 months between claim filings, you would probably come out ahead if you choose the higher deductible.

One important issue to know is that higher deductibles means you pay more out-of-pocket when you have a comprehensive or collision claim. That will force you to have some extra savings in order to pay the deductible.

Price comparison of only insuring for liability

The information below illustrates the difference between Mazda Tribute insurance costs with and without full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no exact rule for dropping physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 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 pretend your Mazda Tribute claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your deductible. If you are paying more than $200 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Cheaper Mazda Tribute insurance in Bakersfield

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many consumers don’t even know exist. Some trigger automatically when you quote, but a few must be specifically requested before being credited. If you’re not getting every credit possible, you are not getting the best rate possible.

• Senior Discount – Mature drivers are able to get a slight reduction on a Bakersfield auto insurance quote.
• Low Mileage Discounts – Fewer annual miles on your Mazda could earn better insurance rates on cars that stay parked.
• Passenger Safety Discount – Cars that have air bags can get savings of up to 25% or more.
• One Accident Forgiven – Not a discount per se, but a handful of insurance companies allow you one accident without raising rates if your claims history is clear prior to the accident.
• Professional Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a Bakersfield auto insurance quote.
• Anti-lock Brakes – Cars equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
• Telematics Data Discounts – Bakersfield drivers who agree to allow their insurance company to look at driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
• Multiple Cars – Buying a policy with all your vehicles with the same company can reduce rates for all insured vehicles.
• Policy Bundle Discount – When you combine your home and auto insurance and place coverage with the same company they may give you a discount of 10% to 20% off each policy.
• No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on Bakersfield auto insurance quote when compared to drivers with a long claim history.

It’s important to note that some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it’s just not the way it works.

The information below illustrates the difference between Mazda Tribute insurance rates with and without discounts applied. Data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, safe-driver, and homeowner discounts applied.

A list of insurance companies and some of the discounts include:

• GEICO may include discounts for federal employee, membership and employees, five-year accident-free, multi-policy, multi-vehicle, and emergency military deployment.
• Travelers has discounts for early quote, home ownership, continuous insurance, new car, good student, and student away at school.
• Farm Bureau discounts include 55 and retired, good student, renewal discount, driver training, multi-policy, and multi-vehicle.
• Liberty Mutual policyholders can earn discounts including preferred payment discount, multi-car, hybrid vehicle, new move discount, and good student.
• American Family offers discounts including bundled insurance, good student, accident-free, TimeAway discount, and early bird.
• Progressive may have discounts that include homeowner, multi-vehicle, continuous coverage, multi-policy, and good student.

If you want affordable Bakersfield auto insurance quotes, ask every prospective company how you can save money. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of providers offering insurance discounts in California, click here to view.

Why you need to buy insurance

Despite the high insurance cost for a Mazda Tribute in Bakersfield, paying for insurance may be required for several reasons.

• Just about all states have mandatory liability insurance requirements which means you are required to buy a minimum amount 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 you have a lien on your Mazda, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank will be required to insure your Mazda for a lot more money and force you to pay for the much more expensive policy.
• Insurance safeguards not only your vehicle but also your assets. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $810 a year so shop around at every policy renewal to ensure rates are inline.

What insurance coverages do I need?

When quoting and choosing the right insurance coverage for your vehicles, there really isn’t a one size fits all plan. Your situation is unique.

For instance, these questions can help discover if your situation might need an agent’s assistance.

• Does coverage extend to Mexico or Canada?
• Do I need more liability coverage?
• Why is insurance for a teen driver so high in Bakersfield?
• I have health insurance so do I need medical payments coverage?
• Does medical payments coverage apply to all occupants?
• What is medical payments coverage?
• Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Local Bakersfield car insurance agents and car insurance

Many people would rather get professional advice from a licensed agent and that is recommended in a lot of cases Good insurance agents can help you build your policy and help submit paperwork. One of the benefits of getting online price quotes is you may find lower rates and also buy local.

To help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to local insurance agents who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to drive around since price quotes are sent to you. If you want to get a price quote from a particular provider, you can always search and find their rate quote page and submit a quote form there.

Finding the right company is decision based upon more than just the quoted price. Here are some questions to ask:

• Do they have any clout with companies to ensure a fair claim settlement?
• Is there a local claims center in Bakersfield?
• Do they review policy coverages at every renewal?
• How many years of experience in personal auto insurance do they have?
• Does the agent have a valid license to sell insurance in California?

Compare rates from both independent and exclusive car insurance agents

If you would like to find a reputable agency, it’s important to understand the different agency structures and how they are slightly different. Agents in Bakersfield can be categorized as either exclusive agents or independent agents. Both types of agents can provide car insurance policies, but it’s important to know how they differ because it can influence the selection process.

Exclusive Insurance Agents

Agents in the exclusive channel can only place business with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so they really need to provide good service. These agents receive extensive training on their products and sales techniques which helps overcome the inability to quote other rates. Some insured continue to buy from the same agent for years mainly due to the brand name rather than low price.

The following are exclusive insurance agents in Bakersfield that can give you comparison quotes.

• Rosie Schweer – State Farm Insurance Agent
  4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map
• Farmers Insurance – Scott Brown
  6501 Schirra Ct #100 – Bakersfield, CA 93313 – (661) 837-4100 – View Map
• Abir M Pulskamp – State Farm Insurance Agent
  1100 Mohawk St #240 – Bakersfield, CA 93309 – (661) 322-3338 – View Map

More Bakersfield agents

Independent Insurance Agents

Agents of this type are not required to write business for one company so they can write business with any number of different companies depending on which coverage is best. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to find a new agent.

When comparing rates, you definitely need to get several quotes from several independent insurance agents to have the most options to choose from. They often place coverage with smaller regional carriers which may have better rates.

Below is a list of independent agencies in Bakersfield who can help you get comparison quotes.

• Stockdale Insurance Agency Inc
  1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321 – View Map
• Tony Camarena Insurance Agency
  324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
• Miroslava Hernandez Insurance Agency
  6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map

More Bakersfield agents

After getting acceptable answers as well as low cost Mazda Tribute insurance quotes, it’s a good possibility that you have found an insurance agent that meets the criteria to service your policy. But keep in mind it’s your policy and you can cancel your coverage whenever you choose to so never assume you are locked into a specific company for the entire policy term.