The best way we recommend to find low-cost prices for auto insurance rates in Bakersfield is to start doing an annual price comparison from different companies in California.
- Take a little time to learn about how companies price auto insurance and the modifications you can make to lower rates. Many rating criteria that increase rates like accidents, traffic tickets, and a bad credit rating can be remedied by paying attention to minor details.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide price quotes for many different companies. View companies
- Compare the quotes to your current policy to see if a cheaper rate is available. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
- Give proper notification to your current agent or company of your decision to cancel your current policy. Submit the application along with any required down payment to the new company. Once received, keep the new certificate verifying proof of insurance along with your vehicle registration.
The key thing to remember is that you use the same amount of coverage on every quote request and and to get rates from as many different companies as possible. Doing this guarantees an apples-to-apples comparison and a good representation of prices.
Unimaginable but true, most California insurance customers have purchased from the same company for at least the last four years, and approximately 38% of consumers have never quoted insurance rates at all. With the average insurance premium being $1,847, American drivers could save almost 46.5% every year by just comparing rate quotes, but they feel it’s too difficult to save money by comparing rate quotes.
Insurance coverage details
The table displayed next highlights a range of prices for Subaru Forester models. Learning how policy premiums are determined can assist in making smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$370||$672||$424||$26||$128||$1,620||$135|
|Forester X Premium AWD||$370||$672||$424||$26||$128||$1,620||$135|
|Forester X Premium AWP AWD||$370||$672||$424||$26||$128||$1,620||$135|
|Forester X Limited Edition AWD||$412||$672||$424||$26||$128||$1,662||$139|
|Forester X Limited Edition W/Navigation AWD||$412||$792||$424||$26||$128||$1,782||$149|
|Forester XT AWD||$412||$792||$424||$26||$128||$1,782||$149|
|Forester XT Limited Edition AWD||$412||$792||$424||$26||$128||$1,782||$149|
|Forester XT Limited Edition W/Navigation AWD||$412||$792||$424||$26||$128||$1,782||$149|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in Bakersfield location which can modify coverage rates greatly.
Gender differences in insurance premiums
The example below illustrates the comparison of Subaru Forester auto insurance rates for male and female drivers. The premium estimates are based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
How much more does full coverage cost?
The chart below shows the comparison of Subaru Forester insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no definitive formula to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s assume your Subaru Forester claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $6,000 after the policy deductible has been paid. If premium cost is more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.
There are a few cases where only buying liability is not a good plan. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.
How do Insurance Providers Determine Subaru Forester Insurance Rates?
Multiple criteria are used when you get your auto insurance bill. Some are obvious like an MVR report, but other factors are not as apparent such as your marital status or your commute time. It’s important that you understand the factors that are used to determine the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this enables you to make decisions that may result in lower premium levels.
The following are some of the items used by insurance companies to determine rates.
Safety first – Vehicles with good safety scores get lower rates. Vehicles engineered for safety reduce injuries and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you.
Bad drivers pay high prices – Attentive drivers get better rates compared to bad drivers. Having a single speeding ticket can bump up the cost by as much as thirty percent. Drivers who have serious violations such as hit and run, DWI or reckless driving convictions are required to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
The chart below shows how violations and at-fault fender-benders influence Subaru Forester insurance rates for each age group. The price estimates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
How much liability insurance – The liability section of your policy will protect you if ever a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense coverage to defend your case. This coverage is relatively inexpensive compared to other policy coverages, so do not skimp.
Annual miles is a factor – The higher the miles on your Subaru every year the higher your rate. A lot of insurance companies rate vehicles based upon how you use the vehicle. Cars that are left in the garage receive better premium rates than those used for commuting. Verify your auto insurance coverage properly reflects the correct usage. Having an incorrect usage rating on your Forester may be costing you higher rates.
Vehicle risk impacts costs – The performance level of the car or truck you are trying to find cheaper insurance for makes a huge difference in your auto insurance rates. Smaller low performance passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.
The next chart is based on a single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Subaru Forester rates compared to other models that have a range of performance rating factors.
Never let your auto insurance policy lapse – Going without insurance is a sure-fire way to increase your auto insurance rates. And not only will your rates increase, the inability to provide proof of insurance could earn you fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.
Do you qualify for a multi-policy discount? – Most major insurers will award discounts to people that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, it’s in your best interest to compare Subaru Forester rates in Bakersfield to help ensure you have the lowest rates.
Insurance losses for a Subaru Forester – Auto insurance companies analyze historical claim data to help determine the price you pay. Models that the data determines to have higher frequency or amount of claims will have higher premium rates. The table below shows the loss history for Subaru Forester vehicles.
For each type of coverage, the claim probability for all vehicles as a whole is equal to 100. Numbers that are below 100 are indicative of better than average losses, while values that are 100 or greater indicate more frequent losses or statistically larger claims.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Subaru Forester 4dr 4WD||71||80||108||72||76||68|
|Subaru Forester 4dr 4WD with Eyesight||74||66||118||77||78||53|
Statistics from IIHS.org for 2013-2015 Model Years
California auto insurance companies
Buying coverage from a high-quality insurance provider is difficult considering how many different insurance companies sell coverage in Bakersfield. The company rank data in the lists below may help you choose which companies to look at comparing rates from.
Top 10 Bakersfield Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
More comparisons equals cheap rates
As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone sacrificed physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Lower-priced insurance in Bakersfield is possible both online as well as from insurance agents, and you should compare rates from both to have the best rate selection. A few companies may not offer price quotes online and usually these small, regional companies only sell through independent agents.
We just covered quite a bit of information on how to shop for Subaru Forester insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with a small local company. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.
More detailed insurance information is located in the articles below:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has the Cheapest Bakersfield Car Insurance Quotes for a Ford Edge? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)