How long have you put off shopping around for more affordable insurance rates in Bakersfield, CA? There isn't a single person who gets a kick out of paying for insurance, particularly when their premiums are too high.

A recent study showed that a large majority of consumers have remained with the same insurance company for more than four years, and almost half have never compared rates with other companies. California insurance shoppers can cut their rates by up to $469 a year by just comparing rate quotes, but they think it's difficult to shop around. Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest price on insurance.

If you have insurance now or need new coverage, you can use this information to get lower rates without sacrificing coverage. Locating the best rates in Bakersfield can be easy if you know a few tricks. You only need an understanding of the proper methods to quote multiple rates on the web.

Affordable rates by earning discounts

Companies do not list all their discounts very well, so here is a list both well-publicized and the more hidden discounts that may be available.Cheaper insurance with discounts

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it just doesn't work that way.

A few popular companies and a selection of discounts can be read below.

Before buying, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be available everywhere. To see providers who offer discounts in California, click here to view.

Getting a cheaper price on insurance is surprisingly easy. The only requirement is to take the time comparing rates to find out which insurance company has cheap Bakersfield car insurance quotes.

It's so simple to compare auto insurance quotes online takes the place of having to actually drive to local Bakersfield insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless your situation requires the professional guidance only provided by licensed Bakersfield agents. It is possible with some companies price shop your coverage online and still use a local Bakersfield agent.

The providers in the list below have been selected to offer free rate quotes in California. If you want cheaper auto insurance in Bakersfield, CA, we suggest you click on several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Bakersfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $1,200 $600 $100
Chevrolet Silverado LTZ Extended Cab 4WD $1,226 $613 $102
Dodge Ram Quad Cab ST 4WD $2,052 $1,026 $171
Ford Edge SE AWD $1,526 $763 $127
Ford Escape Limited 4WD $1,272 $636 $106
Ford Explorer Eddie Bauer AWD $1,604 $802 $134
Ford F-150 FX2 Super Cab 2WD $1,318 $659 $110
Ford Focus SES 2-Dr Coupe $1,766 $883 $147
Honda Accord LX-S 2-Dr Coupe $1,566 $783 $131
Honda CR-V LX 2WD $966 $483 $81
Honda Civic Hybrid 4-Dr Sedan $1,406 $703 $117
Kia Optima EX $1,730 $865 $144
Nissan Altima 2.5 S 2-Dr Coupe $1,744 $872 $145
Toyota Camry SE $1,202 $601 $100
Toyota Corolla XRS $1,598 $799 $133
Toyota Prius $1,108 $554 $92
Get Your Own Custom Quote Go

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can impact insurance rates considerably.

Should you raise deductibles?

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following insurance rates may help you to understand the cost difference when you choose different policy deductibles. The first rate comparisons uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $342 $576 $442 $26 $132 $1,543 $129
Malibu Hybrid $342 $576 $442 $26 $132 $1,543 $129
Malibu LT $386 $576 $442 $26 $132 $1,587 $132
Malibu LTZ $386 $678 $442 $26 $132 $1,689 $141
Get a Quote for Your Vehicle Go
Chevrolet Malibu insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $278 $464 $442 $26 $132 $1,342 $112
Malibu Hybrid $278 $464 $442 $26 $132 $1,342 $112
Malibu LT $314 $464 $442 $26 $132 $1,378 $115
Malibu LTZ $314 $546 $442 $26 $132 $1,460 $122
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in Bakersfield location which can impact rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $18 more each month or $216 for a full year than selecting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 14 months between claims, you would come out ahead going with the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $133
Average monthly premium for $500 deductibles (subtract): - $115
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

Can higher deductibles save money?

The illustration below illustrates how choosing a deductible and can affect Ford Fusion insurance costs for different insured age categories. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage?

The chart below examines Ford Fusion car insurance costs with and without physical damage coverage. The price estimates are based on no claims or violations, $250 deductibles, married male driver, and no other discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop full coverage

There is no clear-cut formula of when to drop physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Ford Fusion book value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are currently paying more than $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not financially feasible. If you haven't paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

When in doubt talk to an agent

When quoting and comparing coverage online or from an agent for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else's and a cookie cutter policy won't apply.Drive safe and save These are some specific questions can help discover if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

Local Bakersfield insurance agencies

Many drivers just prefer to talk to an insurance agent and that is recommended in a lot of cases Agents can make sure you are properly covered and help you file claims. An additional benefit of getting free rate quotes online is you may find cheap auto insurance rates and still buy from a local agent. Buying insurance from local agents is especially important in Bakersfield.

Find insurance agent in BakersfieldBy using this short form, your information is submitted to local insurance agents who will return price quotes for your coverage. It's much easier because you don't need to search for any insurance agencies since rate quotes are delivered immediately to you. If you want to get a rate quote from a particular provider, you can always visit that company's website and fill out the quote form the provide.

If you prefer to buy auto insurance from a local insurance agency, there are two types of agencies to choose from. Bakersfield agents are classified as either independent or exclusive depending on the company they work for. Both types can do a good job, but it's worth mentioning why they differ because it can factor into the kind of agent you use.

Independent Auto Insurance Agencies or Brokers

Independent agencies are normally appointed by many insurers so they can write business with a variety of different insurance companies depending on which coverage is best. If you want to switch companies, they simply move the coverage in-house without you having to go to a different agency. When comparing auto insurance rates, you absolutely need to get several quotes from at least one independent agent to get the best comparison.

Listed below are independent insurance agents in Bakersfield that can possibly get you rate quotes.


1701 G St - Bakersfield, CA 93301 - (661) 324-2424 - View Map


1515 20th St - Bakersfield, CA 93301 - (661) 283-8100 - View Map


4921 Calloway Dr # 101 - Bakersfield, CA 93312 - (661) 829-8933 - View Map

More Bakersfield agents

Exclusive Agencies

These type of agents normally can only provide a single company's rates such as AAA, Allstate, and State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies receive extensive training on the products they sell and that enables them to sell even at higher rates.

Listed below is a list of exclusive agencies in Bakersfield willing to provide comparison quotes.


5351 Olive Dr #300 - Bakersfield, CA 93308 - (661) 393-8326 - View Map


1528 18th St - Bakersfield, CA 93301 - (661) 327-8621 - View Map


1410 Wible Rd #107 - Bakersfield, CA 93304 - (661) 398-5144 - View Map

More Bakersfield agents

Selecting an auto insurance agent requires more thought than just a cheap price. The answers to these questions are important, too.

Shop around and save

When you buy Bakersfield car insurance online, do not skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage and learned later they didn't purchase enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Cheaper insurance in Bakersfield is attainable both online and with local Bakersfield insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer online rate quotes and these smaller providers only sell coverage through independent agents.

In this article, we covered a lot of information how to find cheaper coverage online. It's most important to understand that the more you quote Bakersfield car insurance, the higher your chance of finding the cheapest Bakersfield car insurance quotes. You may even find the best price on insurance is with a company that doesn't do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

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