Finding Cheap Bakersfield Auto Insurance
I can't think of anyone who looks forward to buying auto insurance, in particular when their premiums are too high. Drivers have so many to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.
It's important to compare prices periodically because prices are constantly changing. Even if you got the lowest price on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because we're going to demonstrate the only way to find the best coverage while lowering your premiums.
Policy discounts you shouldn't miss
The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but less common discounts must be inquired about prior to getting the savings. If you're not getting every credit you qualify for, you're just leaving money on the table.
- Bundle and Save - When you have multiple policies with one company you may earn up to 20% off your total premium.
- Early Signing - Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
- Save over 55 - Older drivers may qualify for a small decrease in premiums.
- Club Memberships - Participating in a qualifying organization could qualify you for a break on auto insurance.
Keep in mind that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the amount you have to pay.
For a list of companies offering auto insurance discounts in California, follow this link.
Bakersfield Auto Insurance Comparisons
Finding a better price on auto insurance isn't really that difficult. Consumers just need to take the time getting comparison quotes provided by online insurance companies. This can be done in several different ways.
One of the best ways to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quote forms for every auto insurance company. Just one form compares rates from many national carriers.
A more difficult way to shop for auto insurance online is going to the website for each individual company to complete their respective quote request forms. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site and enter your information, and that's why the first method is more popular. For a list of links to companies insuring cars in Bakersfield, click here.
It doesn't matter which method you choose, just be sure to compare identical coverage limits and deductibles on every quote you get. If you have different liability limits it will be very difficult to determine which rate is truly the best in Bakersfield.
Insurance agents can help
When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation will benefit from professional help.
- What are the best liability limits?
- Does my car insurance cover rental cars?
- Do I need PIP (personal injury protection) coverage in California?
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Are rental cars covered under my policy?
- Am I covered when driving on a suspended license?
If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.
And the best car insurance company is...
When you buy insurance online, it's very important that you do not sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price.
You just read a lot of tips how to get a better price on auto insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a smaller regional carrier. These companies can often insure niche markets at a lower cost compared to the large companies like .
Affordable auto insurance can be found online as well as from independent agents in Bakersfield, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don't offer online quoting and most of the time these small, regional companies sell through independent agents.