Save Money on Chevy Silverado Insurance in Bakersfield

We don’t have to point out that fact that auto insurance companies don’t want you shop around. Consumers who get comparison quotes once a year are inclined to buy a new policy because of the good chance of finding discount prices. Surprisingly, a recent survey revealed that drivers who make a habit of shopping around saved an average of $860 a year as compared to drivers who never compared rates.

If finding the lowest price for Chevy Silverado insurance in Bakersfield is your goal, learning the best ways to find and compare coverage rates can help simplify the task of finding more affordable coverage.

Insurance rates Chevy Silverado in BakersfieldTo save the most money, the best way to save on auto insurance rates in Bakersfield is to do an annual price comparison from insurers in California. Drivers can shop around by following these steps.

Step 1: Read about what is in your policy and the modifications you can make to prevent high rates. Many rating criteria that increase rates like at-fault accidents, speeding tickets, and poor credit history can be remedied by making minor changes in your lifestyle.

Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from multiple insurance companies.

Step 3: Compare the price quotes to your existing coverage to see if a cheaper price is available in Bakersfield. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide notification to your current agent or company of your intent to cancel the current policy. Submit payment and a completed application for your new coverage. As soon as you can, put the new certificate verifying proof of insurance along with the vehicle’s registration papers.

The key thing to remember is to try to compare the same coverage limits and deductibles on every quote request and and to get rate quotes from as many different companies as possible. This enables the most accurate price comparison and maximum price selection.

If you’re already insured or just want to save money, you can follow these tips to get lower rates and still have adequate protection. Buying the cheapest car insurance in Bakersfield is not that difficult. Drivers just need to learn the most effective way to quote multiple rates from many different companies.

Why Your Insurance Premiums might be higher

Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense such as traffic violations, but other factors are more transparent such as your credit history or your commute time. The best way to find cheaper car insurance is to take a look at the rating factors that help calculate the price you pay for car insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower premium levels.

The list below includes some of the factors used by your company to calculate premiums.

The car insurance companies shown below provide free rate quotes in Bakersfield, CA. If multiple providers are shown, it’s a good idea that you visit as many as you can to get the best price comparison.

Chevy Silverado detailed coverage information

The rate information below highlights estimates of coverage prices for Chevy Silverado models. Being aware of how insurance policy premiums are established can help you make decisions on the best policy coverages.

Chevrolet Silverado Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $158 $292 $564 $34 $168 $1,216 $101
Silverado LS Regular Cab 4WD $158 $292 $500 $30 $150 $1,130 $94
Silverado LT Regular Cab 2WD $182 $354 $564 $34 $168 $1,302 $109
Silverado LT Regular Cab $182 $354 $564 $34 $168 $1,302 $109
Silverado LS Extended Cab 4WD $182 $354 $500 $30 $150 $1,216 $101
Silverado LT Extended Cab 4WD $182 $354 $500 $30 $150 $1,216 $101
Silverado LT Extended Cab 2WD $182 $354 $564 $34 $168 $1,302 $109
Silverado LS Extended Cab 2WD $182 $354 $564 $34 $168 $1,302 $109
Silverado LT Crew Cab 4WD $204 $418 $500 $30 $150 $1,302 $109
Silverado LS Crew Cab 2WD $204 $418 $564 $34 $168 $1,388 $116
Silverado LS Crew Cab 4WD $204 $418 $500 $30 $150 $1,302 $109
Silverado LT Crew Cab 2WD $204 $418 $564 $34 $168 $1,388 $116
Silverado LTZ Extended Cab 2WD $204 $418 $564 $34 $168 $1,388 $116
Silverado LTZ Extended Cab 4WD $204 $418 $500 $30 $150 $1,302 $109
Silverado LTZ Crew Cab 2WD $204 $418 $564 $34 $168 $1,388 $116
Silverado LTZ Crew Cab 4WD $204 $418 $500 $30 $150 $1,302 $109
Silverado Crew Cab Hybrid 2WD $204 $482 $500 $30 $150 $1,366 $114
Silverado Crew Cab Hybrid 4WD $228 $482 $500 $30 $150 $1,390 $116
Get Your Own Custom Quote Go

Data based on single 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, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can change prices noticeably.

The chart below shows how choosing a deductible and can impact Chevy Silverado insurance premiums for different age groups of insureds. The premiums assume a single female driver, full coverage, and no discounts are applied.

How accidents and tickets impact rates in Bakersfield

The information below shows how speeding tickets and fender-benders increase Chevy Silverado insurance costs for each different age category. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Rate comparison of men versus women in Bakersfield

The example below visualizes the comparison of Chevy Silverado insurance premiums for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Car insurance in California serves several purposes

Even though it can be expensive, car insurance serves an important purpose.

The benefits of insuring your Silverado more than cancel out the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays as much as $825 a year so shop around every year to help ensure money is not being wasted.

Cheaper Chevy Silverado insurance quotes in Bakersfield

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so the following list contains both the well known as well as some of the hidden credits available to lower your premiums when you buy Bakersfield car insurance online. If you aren’t receiving every discount possible, you could be saving more on your auto insurance.Discount auto insurance

One last thing about discounts, many deductions do not apply to the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, you’re out of luck.

The information below illustrates the comparison of Chevy Silverado insurance costs with and without discounts. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, multi-policy, homeowner, and claim-free discounts applied.

If you would like to choose from a list of auto insurance companies who offer cheap Chevy Silverado insurance quotes in Bakersfield in Bakersfield, follow this link.

Car insurance agents can give valuable advice

Some people just want to have an agent’s advice and often times that is recommended Licensed agents are trained to spot inefficiencies and will help you if you have claims. One of the great benefits of getting online price quotes is that you can obtain cheaper car insurance rates but still work with a licensed agent. Putting coverage with local agencies is important especially in Bakersfield.

By using this form (opens in new window), the coverage information is sent to local insurance agents that give free quotes for your auto insurance coverage. You won’t need to drive around since price quotes are sent immediately to you. If you wish to compare rates from a specific insurance company, just navigate to their website and submit a quote form there.

Is an exclusive or independent car insurance agent right for you?

If you are wanting to purchase auto insurance from a local insurance agency, you must know there are a couple different types of agencies and how they function. Auto insurance policy providers can be classified as either independent or exclusive. Both types can provide auto insurance policies, but it’s worth learning the differences because it can impact the type of agent you choose.

Independent Insurance Agents

Independent insurance agents often have many company appointments and that is an advantage because they can write policies with a variety of different insurance companies and find you the best rates. If prices rise, they simply move your policy to a different company which is easy for the insured.

If you are comparing auto insurance prices, it’s a good idea to contact multiple independent agents to ensure the widest selection of prices.

Featured below is a short list of independent agents in Bakersfield that may be able to provide rate quotes.

B, 4900 California Ave #210Bakersfield, CA 93309(661) 377-2978View Map

4141 Ming AveBakersfield, CA 93309(559) 783-9550View Map

4921 Calloway Dr # 101Bakersfield, CA 93312(661) 829-8933View Map

View more Bakersfield agents

Exclusive Agents

Agents of this type can usually just insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company’s products which aids in selling service over price.

Shown below are exclusive insurance agencies in Bakersfield that can give you price quote information.

6649 Ming AveBakersfield, CA 93309(661) 633-2633View Map

Jim Windes – State Farm Insurance Agent
3512 Coffee Rd dBakersfield, CA 93308(661) 588-1001View Map

4025 Stockdale HwyBakersfield, CA 93309(661) 831-1200View Map

View more Bakersfield agents

Finding a good car insurance agent requires you to look at more than just the quoted price. Any good agent in Bakersfield should know the answers to these questions.

Bakersfield car insurance company ratings

Selecting the top company can be challenging considering how many companies provide coverage in Bakersfield. The company ratings in the next section can help you select which insurers to look at to insure your vehicles.

Top Car Insurance Companies in Bakersfield
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

One last thing about your coverage

Some insurance companies don’t offer online rate quotes and these smaller companies only sell through independent insurance agencies. More affordable car insurance in Bakersfield is possible on the web as well as from independent agents in Bakersfield, and you should be comparing both to get a complete price analysis.

We’ve covered some good ideas how to find lower-cost Chevy Silverado insurance in Bakersfield. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.

As you shop your coverage around, do not buy less coverage just to save a little money. There have been many situations where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the best cost while still protecting your assets.

Additional car insurance information is available at the links below