Want to learn a better way to compare cheaper Volkswagen Beetle insurance in Bakersfield? Searching for the lowest cost Bakersfield Volkswagen Beetle insurance quotes online might seem impossible for drivers who are new to buying their insurance on the internet. With a ridiculous number of online companies, how can drivers efficiently compare every company to locate the best pricing?
Inconceivable but true, almost 70% of drivers kept their policy with the same company for well over three years, and approximately 40% of consumers have never compared quotes from other companies. Drivers in Bakersfield could cut their rates by roughly $500 a year, but most tend to underestimate the actual amount they would save if they swap their current policy for a cheaper one.
It is always a good idea to quote other rates before your next renewal because prices change frequently. Just because you found the best deal on Volkswagen Beetle insurance in Bakersfield a year ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because you’re about to learn the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.
Comparing rates for affordable car insurance coverage in Bakersfield is not as confusing as people think. Just about every driver who is required by state law to have car insurance will probably be able to cut their insurance bill. But California drivers do need to know the way insurance companies sell online.
Most larger insurance companies make it easy to get prices on their websites. Getting online quotes for Volkswagen Beetle insurance in Bakersfield is possible for anyone as you simply enter the coverage amounts you desire into a form. When complete, the quote system requests your driving record and credit report and quotes a price determined by many factors.
The ability to get online rates for Volkswagen Beetle insurance in Bakersfield makes comparing rates easy, and it’s very important to have as many quotes as possible in order to find affordable prices.
To quickly find out how much you can save on auto insurance, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend that you enter the coverages identical to your current policy. Using the same limits helps guarantee you will have a price comparison based on similar coverages.
The providers in the list below offer free rate quotes in Bakersfield, CA. If multiple companies are listed, we suggest you click on several of them to get the most affordable price.
Volkswagen Beetle coverage analysis
The coverage information shown next highlights different coverage prices for Volkswagen Beetle models. Understanding more about how insurance quotes are established can be useful when making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Beetle S 2-Dr Hatchback||$288||$564||$384||$22||$114||$1,372||$114|
|Beetle 2-Dr Convertible||$374||$664||$298||$18||$90||$1,444||$120|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific Bakersfield garaging location which can raise or lower rates considerably.
The information below shows how different deductible levels and can increase or decrease Volkswagen Beetle annual premium costs for each different age category. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
How accidents and violations affect rates
The example below demonstrates how traffic citations and accidents can influence Volkswagen Beetle car insurance rates for different age groups. The prices are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Volkswagen Beetle insurance costs by gender and age in Bakersfield
The diagram below compares Volkswagen Beetle auto insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied.
Difference between liability only and full coverage rates
The example below illustrates the difference between Volkswagen Beetle auto insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no definitive rule of when to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your Volkswagen Beetle replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Car insurance is not optional in California
Despite the fact that car insurance is not cheap in Bakersfield, paying for car insurance may be mandatory for several reasons.
First, just about all states have minimum liability requirements which means state laws require a minimum amount of liability coverage if you drive a 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 bought your Volkswagen Beetle with a loan, most lenders will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Volkswagen for a much higher rate and require you to pay for the expensive policy.
Third, car insurance protects your Volkswagen Beetle and your assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the cost, especially if you ever need it. But the average driver in California is wasting up to $820 a year so compare rates at least once a year to make sure the price is not too high.
Why Smart Consumers Pay Less for Volkswagen Beetle Insurance
Many different elements are considered when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are less obvious such as your marital status or your vehicle rating. When buying auto insurance it’s important to understand some of the things that come into play when calculating the rates you pay for auto insurance. When consumers understand what determines premiums, this enables you to make decisions that may result in cheaper rates.
Vocation stress can affect rates – Occupations such as military personnel, police officers, and stock brokers generally have higher average rates due to high stress and lots of time spent at work. On the other hand, jobs like actors, historians and homemakers generally pay rates lower than average.
Rates and your address – Being located in a small town can save you money if you are looking for the lowest rates. Residents of big cities regularly have congested traffic and much longer commute distances. Lower population means fewer accidents and lower theft and vandalism rates.
If you don’t need it don’t buy it – There are a lot of additional extra coverages that may not really be needed on your auto insurance policy. Coverages like rental car reimbursement, death and dismemberment, and additional equipment coverage are some examples. You may think they are a good idea initially, but your money might be better spent on other coverage so consider taking them off your policy.
Qualify for multi-policy discounts – The majority of insurance companies will award lower prices for people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other Bakersfield Beetle insurance rates to ensure the best deal.
Cut auto insurance rates and deter theft – Selecting a car model with an alarm system can help lower your rates. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.
Rate your vehicle for proper use – The higher the mileage driven each year the more you will pay for auto insurance. A lot of insurance companies charge rates based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Ask your agent if your declarations sheet properly reflects how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Beetle may be costing you.
Get better premiums after the wedding – Being married may earn you lower rates on your auto insurance bill. Having a spouse translates into being more responsible and insurance companies like that being married results in fewer claims.
Insurance loss probability for a Volkswagen Beetle – Insurers analyze historical claim data when setting premium costs. Models that statistically have higher losses will have a higher premium rate.
The table below outlines the actual insurance loss data for Volkswagen Beetle vehicles. For each coverage category, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values under 100 imply a favorable loss record, while percentages above 100 point to more frequent losses or a tendency for losses to be larger than average.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Beetle Convertible||85||78||95||76||89||79|
Statistics from IIHS.org for 2013-2015 Model Years
Cheap Volkswagen Beetle insurance rates in Bakersfield
Companies offering auto insurance do not list every discount they offer in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous credits available to bring down your rates.
- Discount for Good Grades – Excelling in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
- Low Miles Discount – Driving fewer miles could qualify for better rates on cars that stay parked.
- Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
- ABS Brakes – Cars and trucks equipped with ABS or steering control can reduce accidents and will save you 10% or more on Beetle insurance in Bakersfield.
- Safety Course Discount – Passing a defensive driving course could possibly earn you a 5% discount and also improve your driving technique.
- Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Bakersfield auto insurance depending on your insurance provider.
- Resident Student – Youth drivers who live away from home to go to college and don’t have a car may qualify for this discount.
- Discount for Passive Restraints – Factory air bags can qualify for discounts as much as 30%.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Bundled Policy Discount – If you can combine your home and auto policy and insure them with the same company you will save nearly 15% which can help you find inexpensive Volkswagen Beetle insurance in Bakersfield.
A little disclaimer on discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.
The information below visualizes the comparison of Volkswagen Beetle car insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, claim-free, marriage, and multi-car discounts applied.
Some of the insurance companies that have most of the discounts above include:
Before you buy a policy, ask all the companies which discounts you may be entitled to. Savings may not apply in Bakersfield. If you would like to view providers that offer discounts in Bakersfield, click here to view.
Local insurance agents
A small number of people still like to sit down and talk to an agent and there is nothing wrong with that. A nice benefit of getting online price quotes is that you can find cheaper prices and still have a local agent. And providing support for neighborhood agents is important particularly in Bakersfield.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is transmitted to agents in your area that give free quotes for your coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go immediately to you. Get lower rates AND an agent nearby. If you need to quote rates from one company in particular, you can always visit that company’s website to submit a rate quote request.
What type of Bakersfield auto insurance agent is right for you?
When researching a local Bakersfield insurance agency, you need to know there are two different types of agencies and how they can quote your rates. Insurance agencies in Bakersfield can either be independent or exclusive.
Independent Auto Insurance Agents
Independent agencies often have affiliation with several companies and that allows them to write policies with a variety of different insurance companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When comparing rates, we recommend you include price quotes from multiple independent agents for maximum quote selection. Many write coverage with small regional insurance companies who may have lower rates.
Below is a short list of independent insurance agents in Bakersfield that can possibly get you competitive price quotes.
- Fallgatter Rhodes Insurance
1701 G St – Bakersfield, CA 93301 – (661) 324-2424 – View Map
- Covermax Insurance Agency Inc.
1910 E California Ave – Bakersfield, CA 93307 – (661) 363-0645 – View Map
- NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map
Exclusive Insurance Agents
Exclusive insurance agents work for only one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide prices from multiple companies so keep that in mind. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets. Some consumers prefer to choose to use an exclusive agent mostly because of the prominent brand name and solid financial strength.
The following are Bakersfield exclusive insurance agencies willing to provide comparison quotes.
- Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 – View Map
- Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486 – View Map
- Keith Goree – State Farm Insurance Agent
11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000 – View Map
Finding the right car insurance agent is decision based upon more than just a low price. Here are some questions you might want to ask.
- How are claims handled?
- Can glass claims be handled at your home?
- What are the financial ratings for the companies they represent?
- What insurance company do they write the most business with?
- Can you use your own choice of collision repair facility?
- How is replacement cost determined on your vehicle?
Once you have received reasonable responses to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that is reliable enough to properly insure your vehicles. Just keep in mind you can always cancel your coverage at any time so don’t assume that you’re stuck with a policy with no way to switch.
Smart consumers save more
More affordable car insurance in Bakersfield is definitely available on the web in addition to many Bakersfield insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and most of the time these regional carriers work with local independent agents.
In this article, we presented a lot of techniques to lower your Volkswagen Beetle insurance auto insurance rates in Bakersfield. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable Volkswagen Beetle insurance quotes. You may even discover the biggest savings come from some of the lesser-known companies.
When searching for affordable Bakersfield auto insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.
Steps to buying cheaper Volkswagen Beetle insurance in Bakersfield
If your goal is the lowest price, then the best way to find better pricing on Volkswagen Beetle insurance is to begin comparing prices regularly from companies that insure vehicles in Bakersfield. You can compare rates by following these steps.
First, read about how auto insurance works and the things you can control to drop your rates. Many policy risk factors that cause rate increases like getting speeding tickets and your credit history can be rectified by being financially responsible and driving safely.
Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. View insurance agents
Third, compare the quotes to your current policy premium and see if there is a cheaper rate in Bakersfield. If you find better rates, make sure coverage is continuous and does not lapse.
A good piece of advice is to make sure you’re comparing the same amount of coverage on each price quote and and to get rates from all possible companies. Doing this helps ensure an accurate price comparison and and a good selection of different prices.
Additional learning opportunities
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has the Cheapest Bakersfield Car Insurance Rates for Teenagers? (FAQ)
- What Car Insurance is Cheapest for a Honda Pilot in Bakersfield? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)
- Safety Belts FAQ (iihs.org)
- Event Data Recorders FAQ (iihs.org)