Tightwads Guide to Saving on Bakersfield California Car Insurance

Finding affordable Bakersfield car insurance on the internet may be problematic for beginners to shopping for insurance online. With a ridiculous number of insurers to choose from, how can anyone possibly compare every one to find the best price?

You should take the time to check car insurance prices once or twice a year because prices are adjusted regularly by insurance companies. Just because you had the lowest price a few years ago other companies may now be cheaper. There is too much inaccurate information about car insurance on the internet, so I’m going to show you some great ideas on how to find affordable car insurance.

Pricing affordable car insurance coverage in Bakersfield is not that difficult. In a nutshell, anyone who is shopping for car insurance will be able to cut their insurance bill. Although California car owners must understand the methods companies use to sell online because it can help you find the best coverage.

Don’t pay full price with these discounts

The cost of insuring your cars can be expensive, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be manually applied before being credited.

  • Early Switch Discount – A few companies offer discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Air Bag Discount – Cars that have air bags can get savings of more than 20%.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts up to age 25.
  • Paperwork-free – A few companies may give you up to $50 simply for signing online.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. But any discount will reduce your overall premium however.lower rates in Bakersfield

Finding Car Insurance Deals in Bakersfield

When shopping for car insurance there are multiple ways to compare quotes from local in Bakersfieldcar insurance companies. The recommended way to find the cheapest insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company you want a rate for. One form will get you rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to compare prices is to take the time to go to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want to compare Auto-Owners, Progressive and American Family. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. To view a list of companies in Bakersfield, click here.

Which method you use is up to you, but double check that you are using the exact same coverages for each price quote. If you compare higher or lower deductibles it’s impossible to determine which rate is truly the best in Bakersfield. Just a small difference in coverage limits may cause a big price difference. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting lower pricing.

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Is my vehicle covered for smoke damage?
  • Are rental cars covered under my policy?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

lower rates in Bakersfield

Summing up your car insurance search

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an insured dropped physical damage coverage only to regret that they should have had better coverage. The aim is to find the BEST coverage at the best price while still protecting your assets.

You just learned many ways to lower your car insurance rates. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Drivers change insurance companies for many reasons like unfair underwriting practices, policy cancellation, denial of a claim and even questionable increases in premium. No matter why you want to switch, switching car insurance companies is easier than you think.