Amazingly, a large majority of car insurance policyholders in California have bought car insurance from the same company for a minimum of four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Many consumers in the United States could save approximately $850 every year by just comparing rate quotes, but they don’t want to spend time to go online and compare rates.
If you want to save the most money, the best way to get affordable auto insurance rates in Bakersfield is to begin comparing prices regularly from providers in California. Price quotes can be compared by following these guidelines.
First, it will benefit you to learn about how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many factors that are responsible for high rates like distracted driving and a substandard credit history can be improved by making small lifestyle or driving habit changes. Read the full article for ideas to lower rates and find hidden discounts.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.
Third, compare the new quotes to your existing rates to see if a cheaper rate is available in Bakersfield. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
Fourth, tell your current company of your intention to cancel the current policy and submit a down payment and signed policy application to the new company. Make sure you put the new proof of insurance certificate in an easily accessible location in your vehicle.
The key aspect of shopping around is that you’ll want to compare identical coverage information on every quote and and to look at as many different insurance providers as possible. Doing this guarantees a fair price comparison and the most accurate and complete price analysis.
If you currently have a car insurance policy, you will be able to buy cheaper car insurance using the following tips. Finding the cheapest coverage in Bakersfield is actually not that difficult if you follow our advice. Nevertheless, California car owners benefit from understanding how insurance companies determine what you pay and use it to find better rates.
When comparing insurance rates, know that comparing more prices increases the chance that you will find the best offered rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare price estimates on coverage from those companies, too.
The following companies provide quotes in Bakersfield, CA. If more than one company is shown, it’s highly recommended you visit as many as you can to find the lowest auto insurance rates.
Buying from auto insurance agents
A lot of people still prefer to talk to a local agent and doing that can be a smart decision A nice benefit of comparing insurance online is that you can find cheap insurance rates but still work with a licensed agent.
Once you complete this form (opens in new window), your information is emailed to local insurance agents who will return price quotes for your business. There is no reason to do any legwork since rate quotes are delivered immediately to you. You can most likely find cheaper rates without a big time investment. If for some reason you want to compare rates from a specific company, just go to their quote page and give them your coverage information.
Finding a good provider is decision based upon more than just a cheap price. These are some questions you should get answers to.
- Does the agency support the community they serve?
- What kind of financial rating does the company have?
- Has the agent ever had any license suspensions?
- Do they carry Errors and Omissions coverage?
- By raising physical damage deductibles, how much would you save?
- Are they in the agency full-time?
Two types of auto insurance agents
If you prefer to buy insurance from a reputable insurance agent or broker, there are two different types of agencies and how they are slightly different. Agents in Bakersfield are categorized either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Agents in the exclusive channel can only place business with one company and some examples include AAA, Allstate, and State Farm. Exclusive agents are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are usually well trained on their products and sales techniques and that can be a competitive advantage.
Shown below are Bakersfield exclusive insurance agencies that are able to give rate quotes.
James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266 – View Map
Independent Insurance Agents
Agents in the independent channel are not restricted to one company and that gives them the ability to insure through lots of different companies and find you the best rates. If they quote lower rates, they simply move the coverage in-house and you don’t have to switch agencies. When shopping rates, we highly recommend that you contact multiple independent agents for the best price selection.
Below are independent agencies in Bakersfield who can help you get rate quotes.