The easiest way to save money on auto insurance rates is to start doing a yearly price comparison from providers who can sell car insurance in Bakersfield.
- First, take a few minutes and learn about car insurance and the things you can change to prevent expensive coverage. Many things that cause rate increases such as speeding tickets, careless driving and a negative credit history can be amended by making lifestyle changes or driving safer.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.
- Third, compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
- Fourth, provide notification to your current agent or company to cancel the current policy. Submit payment and a completed application for your new policy. Once the application is submitted, keep the new proof of insurance paperwork along with the vehicle’s registration papers.
One thing to remember is that you use the same liability limits and deductibles on each quote and and to get rates from as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and many rates to choose from.
It’s well known that car insurance companies don’t want you comparing rates. Consumers who get price comparisons will most likely buy a new policy because of the high probability of finding discount prices. A recent auto insurance study revealed that consumers who routinely compared rates saved over $3,450 over four years compared to those who don’t make a habit of comparing rates.
If finding budget-friendly insurance is your ultimate goal, then having an understanding of the best ways to shop for car insurance can save time and money.
All the larger insurance companies like State Farm and Allstate allow you to get coverage price quotes from their websites. Getting online rates for Scion xD insurance in Bakersfield doesn’t take a lot of time as you just enter your coverage preferences on the page. Behind the scenes, the company’s rating system sends out for your credit score and driving record and generates pricing information based on these and other factors. Getting online rate quotes for Scion xD insurance in Bakersfield streamlines rate comparisons, and it’s necessary to have as many quotes as possible if you are searching for the cheapest price on insurance.
To save time and find out how much you’re overpaying now, check out the insurance providers below. If you have coverage now, it’s recommended you complete the form with the coverages just like they are on your policy. This ensures you’re receiving comparison quotes based on the exact same insurance coverage.
The companies shown below offer free rate quotes in Bakersfield, CA. If multiple providers are shown, we recommend you visit two to three different companies in order to find the most competitive rates.
Score discounts on Bakersfield car insurance
Car insurance is expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Many discounts should be triggered when you quote, but lesser-known reductions have to be manually applied before you will receive the discount.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on Bakersfield car insurance quote as opposed to policyholders that have many claims.
- Safety Course Discount – Taking time to complete a course teaching safe driver skills could cut 5% off your bill if you qualify.
- Good Students Pay Less – Excelling in school may save you up to 25%. Earning this discount can benefit you up to age 25.
- Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.
The illustration below visualizes the comparison of Scion xD auto insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, 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 marriage, multi-car, multi-policy, claim-free, homeowner, and safe-driver discounts applied.
To find providers with significant discounts in California, click this link.
Premium rates and analysis
The coverage information displayed below covers different insurance coverage prices for Scion xD models. Having a good grasp of how car insurance prices are formulated can be of help when making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XD 4-Dr Hatchback||$220||$426||$456||$26||$136||$1,264||$105|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 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 location which can change prices significantly.
The illustration below demonstrates how choosing different deductibles and can increase or decrease Scion xD insurance premiums for different age groups. The costs are based on a married female driver, comp and collision included, and no policy discounts are applied.
Violations and accidents raise rates
The illustration below demonstrates how traffic citations and at-fault fender-benders can influence Scion xD car insurance costs for different categories of driver ages. The data assumes a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Male drivers versus female drivers
The diagram below shows the comparison of Scion xD insurance costs for male and female drivers. The costs are based on no claims or driving citations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Insurance Price Influencing Factors
Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but others are not quite as obvious like your vehicle usage or how financially stable you are. One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help determine car insurance rates. When consumers understand what impacts premium levels, this enables informed choices that may reward you with lower premium levels.
The following are some of the most rate-impacting factors used by your company to calculate prices.
High performance equals high prices – The performance level of the car, truck or SUV you need to insure makes a huge difference in determining your rates. The cheapest insurance rates are usually found on low performance passenger cars, but your final cost has many other factors.
The following chart assumes a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Scion xD rates compared to other models that have a range of performance risks.
Do you need those extra coverages? – Policies have extra bells and whistles that may not really be needed if you aren’t careful. Things like personal injury protection, towing, and extra equipment coverage could be just wasting money. You may think they are a good idea when talking to your agent, but if you have no use for them think about removing them and cutting costs.
Drive less and get lower prices – Driving a lot of miles in a year the higher your rate. A lot of insurance companies charge to insure your cars based upon how much you drive. Vehicles that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. An incorrectly rated xD can cost quite a bit. It’s a smart idea to ensure your car insurance declarations sheet correctly shows the proper vehicle usage.
Job stress can affect prices – Occupational choices like doctors, business owners, and emergency personnel tend to pay higher rates than average because of job stress and lots of time spent at work. Conversely, jobs such as scientists, engineers and the unemployed pay lower than average rates.
Save by driving safer cars – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles built for safety reduce occupant injuries and lower injury rates means less claims paid and thus lower rates. If the Scion xD earned at least four stars on Safercar.gov you may pay a lower rate.
Single drivers may pay higher costs – Having a spouse may cut your premiums on your policy. Having a spouse generally demonstrates drivers are more responsible and insurance companies like that married drivers get in fewer accidents.
How your age affects costs – Mature drivers are more cautious drivers, are lower risk to insure, and usually have better credit. Young drivers are known to be less responsible when driving with friends and because of this, their car insurance rates are much higher.
The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Getting quotes from local Bakersfield insurance agencies
Some consumers would prefer to get advice from a local agent and that can be a smart move One of the benefits of comparing rates online is you can get cheap car insurance quotes and also buy local.
For easy comparison, once you complete this short form, your insurance data is emailed to local insurance agents that give free quotes to get your business. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to you. You can find better rates without having to waste a lot of time. In the event you want to compare rates from a particular provider, you just need to search and find their rate quote page to submit a rate quote request.
Picking a insurance company shouldn’t rely on just the premium amount. You should also get answers to these questions.
- Is the agency covered by Errors and Omissions coverage?
- Who is covered by the car insurance policy?
- Do they get extra compensation for selling add-on coverages?
- Are you getting all the discounts the company offers?
- How long has their agency been in business in Bakersfield?
- Does the company use OEM repair parts?
Lower rates by being persistent
Affordable Scion xD insurance in Bakersfield can be found online as well as from independent agents in Bakersfield, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not offer the ability to get a quote online and these smaller providers only sell through local independent agents.
In this article, we presented quite a bit of information on how to get a better price on Scion xD insurance in Bakersfield. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost Bakersfield car insurance quotes. Consumers may even find the best premium rates are with some of the lesser-known companies. Regional companies often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.
Additional detailed information can be found in the articles below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has Cheap Bakersfield Car Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- How Much is Auto Insurance for a Honda CR-V in Bakersfield? (FAQ)
- Understanding your Policy (NAIC.org)
- Crash Avoidance Technologies FAQ (iihs.org)