Affordable Toyota Sienna Insurance in Bakersfield

Insurance quote for Toyota Sienna in BakersfieldUnfortunately, about 70% of customers have bought auto insurance from the same company for at least the last four years, and practically 40% of auto insurance customers have never shopped around. With the average auto insurance premium being $1,400, California drivers could save roughly 35% a year, but they won’t spend time to compare rate quotes.

If saving money is your primary concern, then the best way to get cheaper auto insurance rates is to regularly compare quotes from insurance carriers that sell auto insurance in Bakersfield. Rates can be compared by completing these steps.

  1. Learn about individual coverages and the changes you can make to keep rates low. Many risk factors that are responsible for high rates like getting speeding tickets and poor credit rating can be eliminated by making minor driving habit or lifestyle changes.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
  3. Compare the new quotes to your existing rates and determine if cheaper Sienna coverage is available in Bakersfield. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is to use similar coverage information on every quote request and and to analyze as many auto insurance providers as possible. This ensures a fair rate comparison and a good representation of prices.

If you’re already insured, you will definitely be able to cut your premiums using the concepts you’re about to learn. This information will help educate you on how insurance works and how you can save the most money. Although California drivers should learn the way insurance companies determine how much to charge and use it to your advantage.

The quickest method we recommend to get rate comparisons for Toyota Sienna insurance in Bakersfield is to take advantage of the fact auto insurance companies allow for online access to give free rates quotes. All consumers are required to do is give them rating details such as if you’re married, types of safety features, daily mileage, and your job. That information is then sent to all major companies and you will receive price estimates quickly.

If you would like to start a quote now, click here then complete the form.

The companies shown below can provide free rate quotes in Bakersfield, CA. If multiple companies are shown, it’s highly recommended you visit several of them in order to find the most affordable rates.

Insurance does more than just repair your car

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

First, just about all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance coverage in order to license the vehicle. 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.

Second, if you have a lien on your car, most banks will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Toyota at a much higher premium rate and require you to reimburse them for the much more expensive policy.

Third, insurance safeguards both your Toyota and your assets. It will also pay for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of having insurance greatly outweigh the cost, especially when you need to use it. Today the average American driver is overpaying more than $830 a year so shop around at every renewal to be sure current rates are still competitive.

Toyota Sienna insurance coverage information

The table below showcases a range of insurance costs for Toyota Sienna models. Being aware of how premiums are calculated can assist in making informed coverage decisions.

Toyota Sienna Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $210 $362 $578 $34 $174 $1,358 $113
Sienna LE $240 $362 $578 $34 $174 $1,388 $116
Sienna LE AWD $240 $362 $578 $34 $174 $1,388 $116
Sienna XLE $240 $362 $578 $34 $174 $1,388 $116
Sienna XLE AWD $240 $426 $578 $34 $174 $1,452 $121
Sienna Limited $272 $426 $578 $34 $174 $1,484 $124
Sienna Limited AWD $272 $426 $578 $34 $174 $1,484 $124
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in specific Bakersfield garaging location which can decrease or increase prices noticeably.

Higher deductibles save money

A question often asked by Bakersfield drivers is the level to set your comp and collision deductibles. The tables below may help you to understand the rate fluctuation between low and high deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Toyota Sienna insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $298 $576 $442 $26 $132 $1,499 $125
Sienna LE $342 $576 $442 $26 $132 $1,543 $129
Sienna LE AWD $342 $576 $442 $26 $132 $1,543 $129
Sienna XLE $342 $576 $442 $26 $132 $1,543 $129
Sienna XLE AWD $342 $678 $442 $26 $132 $1,645 $137
Sienna Limited $386 $678 $442 $26 $132 $1,689 $141
Sienna Limited AWD $386 $678 $442 $26 $132 $1,689 $141
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Toyota Sienna insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $242 $464 $442 $26 $132 $1,306 $109
Sienna LE $278 $464 $442 $26 $132 $1,342 $112
Sienna LE AWD $278 $464 $442 $26 $132 $1,342 $112
Sienna XLE $278 $464 $442 $26 $132 $1,342 $112
Sienna XLE AWD $278 $546 $442 $26 $132 $1,424 $119
Sienna Limited $314 $546 $442 $26 $132 $1,460 $122
Sienna Limited AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific Bakersfield garaging location which can change price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $18 more each month or $216 each year than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 14 months between claim filings, you would more than likely save some money by selecting a higher deductible. Below is the way you can perform this determination yourself.

Average monthly premium for $250 deductibles: $133
Average monthly premium for $500 deductibles (subtract): – $115
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important caveat is that a higher deductible means you will have to pay more of your own money when you file a claim. That will require enough disposable savings in order to pay more for the deductible.

Careless Bakersfield drivers pay higher rates

The chart below shows how traffic citations and at-fault fender-benders can influence Toyota Sienna auto insurance costs for each age group. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Toyota Sienna full coverage rates compared to liability only

The example below illustrates the difference between Toyota Sienna insurance costs with full coverage compared to only the California minimum liability coverage. The rates are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no definitive rule of when to phase out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Toyota Sienna replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your deductible. If it’s costing you more than $300 annually for physical damage coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Take policy discounts and save on Toyota Sienna insurance in Bakersfield

Some providers don’t always list every available discount very well, so the following is a list of some of the best known and the harder-to-find credits available to bring down your rates. If you do not double check each discount you deserve, you are not getting the best rate possible.Cheaper car insurance with discounts

Remember that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way. But any discount should help reduce your policy cost.

The example below compares Toyota Sienna insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, safe-driver, and multi-policy discounts applied.

To see a list of providers who offer discounts in Bakersfield, click here.

Exclusive or independent insurance agents

A small number of people just want to visit with an insurance agent. An additional benefit of getting online price quotes is you can get lower car insurance rates and also buy local.

Insurance agents in BakersfieldAfter filling out this form (opens in new window), your insurance coverage information is sent to companies in Bakersfield who will give you bids and help you find cheaper coverage. You never need to do any legwork because quoted prices will be sent immediately to you. You can get cheaper insurance rates AND an agent nearby. If you have a need to get a comparison quote from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.

Picking the best insurer requires you to look at more than just a cheap price. Ask your prospective agent these questions:

Types of car insurance agents

When searching for a good insurance agency, you should know the different agency structures to choose from. Bakersfield agents are considered either independent or exclusive.

Exclusive Insurance Agents

Agents that choose to be exclusive can only quote rates from one company and some examples include State Farm or Allstate. They are unable to compare rates from other companies so keep that in mind. These agents are usually well trained on their products and sales techniques and that enables them to sell even at higher rates. A lot of people buy from exclusive agents primarily because of the brand rather than low rates.

Listed below are Bakersfield exclusive agents who can help you get price quotes.

More Bakersfield agents

Independent Insurance Agencies

Agents of this type are normally appointed by many insurers and that enables them to quote your coverage with any number of different companies and get the cheapest rates. If prices rise, an independent agent can move your coverage and you don’t have to do anything. When comparison shopping, it’s recommended you get insurance quotes from several independent agencies in order to compare the most rates. Most can insure with smaller companies which can save you money.

Listed below is a short list of independent agencies in Bakersfield who can help you get price quotes.

More Bakersfield agents

You are unique and your insurance should be too

When choosing the best insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is a little different.Higher deductibles save money

For example, these questions may help you determine if you would benefit from professional advice.

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Cheap coverage is out there

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

Some insurance companies may not provide online quoting and most of the time these smaller providers only sell through independent insurance agencies. Discount Toyota Sienna insurance can be found online and also from your neighborhood Bakersfield agents, and you should be comparing both in order to have the best price selection to choose from.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, poor customer service, policy non-renewal or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company can be pretty painless.

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