If you want to save the most money, the best way to find affordable Volvo XC60 insurance in Bakersfield is to regularly compare quotes from companies who sell insurance in California. You can shop around by following these guidelines.
- Read and learn about what is in your policy and the measures you can control to prevent expensive coverage. Many things that result in higher rates like high-risk driving behaviors and poor credit can be rectified by improving your driving habits or financial responsibility.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources. View rates
- Compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find better rates and make a switch, make sure there is no lapse in coverage.
- Provide proper notification to your current company to cancel your existing policy and submit a down payment and signed policy application for your new policy. Once received, safely store the proof of insurance certificate in your vehicle.
A good tip to remember is to make sure you’re comparing the same liability limits and deductibles on each quote request and and to get quotes from as many companies as you can. Doing this provides a fair rate comparison and plenty of rates choose from.
It’s a known fact that auto insurance companies want to keep your business as long as possible. Drivers who compare price quotes are likely to buy a new policy because there is a significant possibility of finding a policy with better rates. A recent survey found that consumers who regularly shopped around saved as much as $72 a month compared to policyholders who didn’t regularly shop around.
If finding the best price on Volvo XC60 insurance is the reason you’re here, then knowing the best ways to shop for insurance can save time and make the process easier.
The best way we recommend to compare insurance rates from multiple companies is to know the fact most of the larger companies allow for online access to compare rate quotes. The only thing you need to do is provide a little information such as coverage limits, what you do for a living, any included safety features, and whether your vehicle is owned or leased. That information is sent automatically to multiple different insurance companies and you will get price comparisons instantly.
If you wish to get multiple quotes for your Volvo XC60 now, click here and enter your coverage details.
The companies shown below provide price comparisons in Bakersfield, CA. If multiple companies are listed, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Insurance coverage details
The premium information displayed below covers different insurance coverage prices for Volvo XC60 models. Learning how policy premiums are established can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $334 | $662 | $454 | $26 | $136 | $1,612 | $134 |
| XC60 3.2 AWD | $378 | $662 | $454 | $26 | $136 | $1,656 | $138 |
| XC60 T6 AWD AWD | $378 | $780 | $454 | $26 | $136 | $1,774 | $148 |
| XC60 T6-R AWD AWD | $420 | $780 | $454 | $26 | $136 | $1,816 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific Bakersfield garaging location which can alter price quotes noticeably.
Physical damage deductibles: Should you raise them?
When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The data tables below may help to conceptualize how much more you’ll pay when you select higher and lower comp and collision deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| XC60 3.2 AWD | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
| XC60 T6 AWD AWD | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| XC60 T6-R AWD AWD | $430 | $678 | $376 | $22 | $112 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| XC60 3.2 AWD | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| XC60 T6 AWD AWD | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| XC60 T6-R AWD AWD | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in specific garaging location which can affect auto insurance rates noticeably.
Based on the figures above, using a $250 deductible will cost you about $18 more each month or $216 every year averaged for all XC60 models than quoting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 14 months between claims, you would save money by selecting a higher deductible. Here’s a better example of how you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $129 |
| Average monthly premium for $500 deductibles (subtract): | – $111 |
| 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 increasing deductibles to save money means you will have to pay more of your own money when you have to file a claim. You need to have a higher level of savings in the event you have to pay the deductible to have repairs made.
Insurance rate increases from tickets or accidents
The information below illustrates how violations and at-fault claims influence Volvo XC60 insurance costs for different age groups. The premiums assume a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.
Males versus Females
The information below compares Volvo XC60 insurance costs for male and female drivers. The data assumes no violations or accidents, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Volvo XC60 liability rates compared to full coverage
The illustration below illustrates the comparison of Volvo XC60 insurance rates with full coverage and liability only. Data assumes no claims or violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no exact rule for phasing out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Volvo XC60 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your policy deductible. If you are paying more than $200 annually to have full coverage, then you may need to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Cheaper Volvo XC60 insurance rates in Bakersfield
Car insurance is easily one of your largest bills, but you can get discounts that you may not know about. Some discounts apply automatically at the time of quoting, but a few need to be manually applied before they will apply.
- Discount for Good Grades – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students up to age 25.
- Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before your rates go up if your claims history is clear for a set time period.
- Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease with some car insurance companies.
- Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more on XC60 insurance in Bakersfield.
- Early Renewal Discounts – Select insurance companies give a discount for signing up before your current expiration date. It could save around 10% when you buy Bakersfield car insurance online.
- Accident-Free Discounts – Claim-free drivers can save substantially as compared to accident-prone drivers.
Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, it’s just not the way it works.
The diagram below compares Volvo XC60 insurance prices with and without discounts applied to the policy premium. The premiums assume a male driver, no violations or 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 homeowner, multi-car, safe-driver, claim-free, multi-policy, and marriage discounts applied.
Auto insurance companies that may offer quotes with these money-saving discounts include:
If you need lower rates, check with every insurance company which discounts they offer. All car insurance discounts may not apply to policies in Bakersfield. If you would like to view providers with the best discounts in Bakersfield, click here.
Three reasons to not skimp on car insurance
Despite the high cost of buying insurance for a Volvo XC60 in Bakersfield, insurance may be required for several reasons.
- Most states have minimum liability requirements which means you are required to buy specific limits of liability in order to be legal. 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.
- If your Volvo has a loan, almost every bank will make it mandatory that you have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Volvo at a more expensive rate and force you to pay the higher premium.
- Car insurance protects your Volvo XC60 and your assets. Insurance will pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your Volvo gets damaged, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance are without a doubt worth the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $800 each year so you should quote rates once a year at a minimum to make sure the price is not too high.
Best car insurance in Bakersfield
Buying coverage from the right auto insurance company can be a challenge considering how many choices there are in Bakersfield. The company rank data below may help you pick which companies to look at shopping your coverage with.
Top 10 Bakersfield Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Car insurance agents near you
A small number of people would prefer to buy from a local agent and that can be a smart move The best thing about comparing rates online is that you can find better rates and still have a local agent. Supporting small agencies is especially important in Bakersfield.
To help locate an agent, after submitting this quick form, your insurance data is instantly submitted to local insurance agents in Bakersfield that can give you free Bakersfield car insurance quotes for your insurance coverage. You won’t need to contact any agents since price quotes are sent to you instantly. Get lower rates AND an agent nearby. If you have a need to get a comparison quote from a specific auto insurance provider, you can always navigate to their website and submit a quote form there.
The difference between Bakersfield auto insurance agents
If you prefer to buy auto insurance from a local insurance agency, there are a couple of types of insurance agents and how they can service your needs differently. Agencies in Bakersfield are considered either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
These type of agents are normally appointed by many insurers so they can quote policies through lots of different companies and help determine which has the cheapest rates. If you are not satisfied with one company, your policy is moved internally and that require little work on your part. If you are comparing rate quotes, you need to get some free quotes from independent agents for maximum quote selection. Many write coverage with lesser-known insurance companies that may have much lower rates than larger companies.
Shown below are Bakersfield independent insurance agents who may provide cheap rate quotes.
- NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map - William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731 – View Map - Walter Mortensen Insurance
8500 Stockdale Hwy – Bakersfield, CA 93311 – (661) 834-6222 – View Map
Exclusive Agents
Agents in the exclusive channel work for only one company like Farmers Insurance and State Farm. They usually cannot compare other company’s rates so they really need to provide good service. Exclusive agents are well schooled on their company’s products which can be an advantage. A lot of people purchase coverage from exclusives mostly because of the brand name rather than having low rates.
The following is a list of exclusive agents in Bakersfield willing to provide comparison quotes.
- Sal Brito – State Farm Insurance Agent
1410 Wible Rd #107 – Bakersfield, CA 93304 – (661) 398-5144 – View Map - Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map - Farmers Insurance – James Burton Jr.
1309 S H St – Bakersfield, CA 93307 – (661) 836-1300 – View Map
Finding the right insurance agency requires you to look at more than just the premium amount. You should also get answers to these questions.
- Are they properly licensed to sell insurance in California?
- How many years of experience in personal auto insurance do they have?
- What are the financial ratings for the companies they represent?
- Do they get paid more for recommending certain coverages?
- Will one accident increase rates?
- Do they specialize in personal lines coverage in Bakersfield?
- Which members of your family are coverage by the policy?
- Did they already check your driving record and credit reports?