Searching for better insurance prices for a new or used Saab 9-5 in California can turn out to be a painful process, but you can follow a few tricks to make it easier.
There is a right way and a wrong way to find insurance online so we’re going to tell you the quickest way to get price quotes for a new or used Saab and locate the lowest possible price.
Sadly, nearly 70% of customers kept their policy with the same company for a minimum of four years, and approximately 40% of consumers have never even compared rates from other companies. California insurance shoppers can save hundreds of dollars each year, but they don’t understand how simple it is to find cheaper insurance by shopping around.
Smart consumers take time to shop coverage around before your policy renews because insurance prices change regularly. Even if you got the lowest price on Saab 9-5 insurance in Bakersfield a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.
Which Saab 9-5 insurance is cheapest in Bakersfield, California?
All major car insurance companies like 21st Century, Allstate and State Farm give prices direct online. Getting quotes for Saab 9-5 insurance in Bakersfield is very simple because you just enter the coverages you want as detailed in the form. After the form is submitted, the system gets your driving and credit reports and provides a quote based on the data you entered.
This makes it easy to compare insurance prices and it’s absolutely necessary to compare as many rates as possible if you are searching for the best rate.
If you want to find out how much you’re overpaying now, check out the car insurance providers below. If you currently have coverage, we recommend you copy the insurance coverages just like they are on your policy. This guarantees you will have a rate comparison using the exact same coverages.
The companies shown below are our best choices to provide comparison quotes in Bakersfield, CA. If multiple companies are listed, we recommend you visit as many as you can to get the cheapest price.
You may qualify for discounts for Saab 9-5 insurance in Bakersfield
Insuring your fleet can be pricey, but you might already qualify for some discounts to reduce the price significantly. Many discounts should be triggered when you quote, but a few must be requested specifically before you will receive the discount. If you don’t get every credit you qualify for, you’re paying more than you need to.
- Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
- Telematics Discount – People who choose to allow their company to analyze driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as they are good drivers.
- Bundle and Save – If you can combine your homeowners and auto policy and insure them with the same company you may earn at least 10% off all policies.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Safety Restraint Discount – Requiring all passengers to buckle their seat belts could save 15% off the medical payments premium.
- Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction depending on your auto insurance provider.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
- Multi-car Discount – Having multiple cars on the same auto insurance policy could earn a price break for each car.
- Resident Student – Any of your kids who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
The illustration below shows the difference between Saab 9-5 yearly insurance costs with and without discounts applied to the premium. Data assumes a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, multi-car, and claim-free discounts applied.
To see a list of auto insurance companies that offer many of these discounts in California, click this link.
Saab 9-5 insurance rate analysis
The price information below showcases different insurance costs for Saab 9-5 models. Having a better idea how policy premiums are determined is important for making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|9-5 Aero XWD 4-Dr Sedan||$480||$970||$456||$26||$136||$2,068||$172|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates substantially.
Does full coverage make sense?
The information below illustrates the difference between Saab 9-5 insurance premiums with full coverage and liability only. The costs are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are factored in.
Should you be buying full coverage?
There is no clear-cut rule of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Saab 9-5 book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after you pay the deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some conditions where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
You Can Change Your Insurance Rates
Lots of factors are considered when you quote your car insurance policy. Some factors are common sense like your driving record, but other criteria are less obvious such as whether you are married or how financially stable you are.
The items below are some of the things used by insurance companies to determine your rates.
Employer can influence rates – Jobs like lawyers, business owners, and dentists are shown to have higher rates than the rest of us because of high stress and long work hours. On the other hand, professions such as actors, engineers and the unemployed generally pay rates lower than average.
Cheaper rates with high comp and collision deductibles – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Saab from damage. Examples of some claims that would be covered are a broken windshield, damage caused by hail, and damage from a fallen tree branch. Comp and collision deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more of the claim the insured is willing to pay, the bigger discount you will receive.
Teen driver insurance premiums – Beginning drivers in California are statistically shown to be more careless behind the wheel therefore car insurance rates are much higher. Mature drivers are more cautious drivers, are lower risk to insure, and get fewer tickets.
The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Marriage is a bonus – Having a spouse actually saves money when buying car insurance. Having a significant other may mean you are more mature and responsible and statistics show married drivers get in fewer accidents.
Eliminate extra coverages – Insurance companies have many additional coverages that sound like a good idea at the time when buying car insurance. Coverages like replacement cost coverage, high-cost glass coverage, and extra equipment coverage could be just wasting money. They may seem good when buying your policy, but now you might not need them so remove them from your policy.
Defend yourself with liability insurance – Liability insurance will provide protection when a court rules you are at fault for physical damage or personal injury to other. This coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
When to contact an insurance agent
Many drivers still like to talk to a local agent and that is OK! Licensed agents will help you protect your assets and help submit paperwork. One of the benefits of comparing auto insurance online is you may find cheap auto insurance quotes but still work with a licensed agent. Buying from neighborhood insurance agencies is definitely important in Bakersfield.
By using this short form, the coverage information is sent to companies in Bakersfield that can give you free Bakersfield car insurance quotes for your coverage. You won’t need to do any legwork since price quotes are sent to you instantly. If you need to compare prices from a particular provider, you would need to navigate to their website and complete a quote there.
Two types of car insurance agents
When searching for a good Bakersfield insurance agent, there are two different types of agents and how they function. Agencies in Bakersfield may be either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but we need to point out the differences because it can factor into the type of agent you choose.
Independent Auto Insurance Agencies or Brokers
Agents in the independent channel are not employed by any specific company so they have the ability to put coverage with any number of different companies and find the cheapest auto insurance rates. If your premiums go up, the business is moved internally which requires no work on your part. If you are trying to find cheaper rates, it’s recommended you get quotes from multiple independent agents for the best price selection. Many independent agencies also insure through companies that do not advertise much which can save you money.
Below is a short list of independent agents in Bakersfield who may provide free auto insurance rate quotes.
- Hay Insurance Agency Inc.
4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933 – View Map
- Lorena Magana Insurance Agency, Inc.
4141 Ming Ave – Bakersfield, CA 93309 – (559) 783-9550 – View Map
- Fallgatter Rhodes Insurance
1701 G St – Bakersfield, CA 93301 – (661) 324-2424 – View Map
Agents that elect to be exclusive are contracted to one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents receive extensive training on the products they sell and that enables them to sell even at higher rates. Some insured continue to buy insurance from these agents mainly due to high brand loyalty instead of buying on price only.
The following is a list of exclusive agents in Bakersfield that can give you price quotes.
- Allstate Insurance: Diana Martinez
6300 White Ln T – Bakersfield, CA 93309 – (661) 827-8800 – View Map
- Farmers Insurance: Eric Peters
1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113 – View Map
- Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420 – View Map
Deciding on an auto insurance agent should depend on more than just a cheap price. These are some valid questions you should ask.
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they have cheaper tiers of coverage?
- Do they assist clients in filing claims?
- How long have they been in business?
- How much will you save each year by using a higher deductible?
- Do they review policy coverages at every renewal?
- Will the agent or a CSR service your policy?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
What is the best auto insurance company in California?
Finding the best insurer is hard considering how many companies sell coverage in Bakersfield. The rank data in the next section may help you decide which car insurance companies you want to consider purchasing from.
Top 10 Bakersfield Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
The best rates come from being thorough
Some insurance companies may not have the ability to get a quote online and these regional insurance providers prefer to sell through local independent agencies. Low-cost Saab 9-5 insurance in Bakersfield is possible from both online companies and also from your neighborhood Bakersfield agents, and you should compare price quotes from both in order to have the best price selection to choose from.
People change insurance companies for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, extreme rates for teen drivers and poor customer service. Whatever your reason, finding a great new company is not as hard as you think.
As you restructure your insurance plan, never skimp on coverage in order to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest cost while still protecting your assets.
How to buy discount Saab 9-5 insurance in Bakersfield
If saving money is your primary concern, then the best way to find more affordable car insurance rates in Bakersfield is to begin comparing prices regularly from insurance carriers who can sell car insurance in California. You can shop around by following these steps.
First, take a little time to learn about how your policy works and the measures you can control to lower rates. Many rating factors that result in higher rates such as speeding and a lousy credit rating can be rectified by paying attention to minor details.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple sources.
Third, compare the new quotes to the premium of your current policy to see if a cheaper rate is available in Bakersfield. If you can save money and change companies, make sure coverage does not lapse between policies.
Fourth, provide written notification to your current company of your intent to cancel your existing policy. Submit a completed policy application and payment to the new company. Once the paperwork is finalized, safely store the certificate of insurance above your visor, in the console, or in the glove compartment.
One key aspect when comparing rates is to make sure you’re comparing identical deductibles and limits on every price quote and to quote with as many companies as you can. This provides a fair price comparison and a complete selection of prices.
Additional information is available below:
- Prom Night Tips for Teen Drivers (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Airbag FAQ (iihs.org)