Cheapest Bakersfield Dodge Ram 3500 Insurance

Trying to find cheaper Dodge Ram 3500 insurance in Bakersfield can seem to be slightly frustrating for drivers who are new to buying insurance online. With such a large number of companies in the marketplace, it can quickly become more work than you anticipated to find the lowest price on Dodge Ram 3500 insurance.

It’s safe to conclude that insurance companies want to keep you from shopping around. Consumers who shop around for better prices are inclined to buy a new policy because there is a good chance of finding good coverage at a lower price. A recent survey revealed that consumers who routinely compared rates saved approximately $3,500 over four years as compared to drivers who didn’t regularly shop around.

If saving money on auto insurance is your ultimate objective, then having some insight into how to compare insurance can make the process less intimidating.

You should make it a habit to do price comparisons every six months because rates tend to go up over time. If you had the best rate on Dodge Ram 3500 insurance in Bakersfield a few years ago there is a good chance you can find better prices now. There is a lot of wrong information about Ram 3500 insurance out there, but we’re going to give you some great ideas on how to stop overpaying for insurance in Bakersfield.

Obtaining price quotes for the cheapest protection in Bakersfield is quite easy. Nearly every vehicle owner who buys insurance will most likely find lower prices. But California consumers should learn the way companies sell insurance online and use this information to your advantage.

Determine discounts to get cheap Bakersfield auto insurance rates

Some companies do not advertise every available discount in an easy-to-find place, so the below list has some of the best known and the more hidden auto insurance savings. If you do not check that you are getting every discount available, it’s possible you qualify for a lower rate.

• Data Collection Discounts – People who choose to allow their insurance company to spy on driving patterns by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
• Save over 55 – Mature drivers can get a small discount on rates.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on Ram 3500 insurance in Bakersfield.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy a life policy as well.
• Sign Online – Some companies provide a small discount get Bakersfield auto insurance over the internet.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could qualify for discounted rates on garaged vehicles.

Drivers should understand that most discounts do not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The chart below visualizes the comparison of Dodge Ram 3500 auto insurance rates with and without discounts applied. The data is based on a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-car, and multi-policy discounts applied.

A list of auto insurance companies and some of their more popular discounts can be found below.

• GEICO offers discounts including five-year accident-free, emergency military deployment, multi-vehicle, air bags, multi-policy, and federal employee.
• SAFECO may include discounts for teen safety rewards, accident prevention training, bundle discounts, multi-car, and anti-lock brakes.
• State Farm may offer discounts for good driver, multiple policy, student away at school, Steer Clear safe driver discount, defensive driving training, safe vehicle, and accident-free.
• MetLife offers premium reductions for accident-free, claim-free, good driver, good student, multi-policy, and defensive driver.
• 21st Century policyholders can earn discounts including good student, defensive driver, theft prevention, student driver, and driver training.
• Progressive has savings for multi-policy, good student, online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.

Check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state. If you would like to choose from a list of auto insurance companies that offer discounts in California, follow this link.

Quote Bakersfield Dodge Ram 3500 insurance online

The are a couple different ways of comparing rates from many car insurance companies in California. The best method to find competitive insurance rates is to use the internet to compare rates.

When quoting car insurance, remember that more quotes helps improve the odds of finding a better price. Some regional insurers cannot provide online rate quotes, so you need to compare rates from those companies as well.

The providers in the list below can provide price comparisons in California. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Rate information and statistics

The rate information shown next outlines a range of insurance prices for Dodge Ram 3500 models. Learning a little about how insurance quotes are determined can assist in making informed decisions when shopping around for a new policy.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can influence premium rates substantially.

Can higher deductibles save money?

A question often asked by Bakersfield drivers is where to set your physical damage deductibles. The following tables may help to illustrate the difference in cost between high and low physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific location information which can raise or lower premiums noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $39 more each month or $468 a year across all Dodge Ram 3500 models than selecting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 10 months between claim filings, you would probably be better off by going with a higher deductible.

The diagram below highlights how deductible selection and can affect Dodge Ram 3500 premium costs for different insured age categories. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Auto insurance rates by gender and age in Bakersfield

The diagram below compares Dodge Ram 3500 insurance rates for male and female drivers. The information is based on no violations or claims, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.

Cost of full coverage in Bakersfield

The example below shows the comparison of Dodge Ram 3500 car insurance rates when comparing full coverage to liability only. The prices are based on no claims or driving citations, $250 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage?

There is no written rule for eliminating physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Dodge Ram 3500 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your deductible. If it’s costing in excess of $800 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where removing full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Informed Drivers Save on Insurance

A large part of saving on insurance is knowing the factors that aid in calculating your premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that may reward you with lower rates.

Drive less and save – Driving more miles annually the more it will cost to insure it. Most insurance companies apply a rate partially by how you use the vehicle. Autos that do not get driven very much receive better premium rates than vehicles that have high annual mileage. Ask your agent if your insurance declarations sheet correctly shows the right rating data, because improper ratings can cost you money. Having an incorrect usage rating on your Ram 3500 is just wasting money.

Improve your credit rating and save – A driver’s credit rating is a large factor in calculating your premium rate. People that have very good credit scores tend to be less risk to insure than drivers with poor credit. If your credit rating is lower than you’d like, you could save money insuring your Dodge Ram 3500 if you improve your credit rating.

With age comes lower rates – Teen drivers in California are statistically shown to be inattentive and easily distracted when driving with friends so they pay higher insurance rates. If you’ve ever had to add a first-time driver to your insurance policy can really hurt. Older drivers are more cautious drivers, cost insurance companies less in claims, and usually have better credit.

The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

Lower performance equals lower insurance prices – The performance level of the car you own makes a substantial difference in determining your rates. The cheapest insurance rates will generally be found on the lowest performance passenger models, but many other things help determine your insurance rates.

The following chart uses these variables: married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Dodge Ram 3500 car insurance rates compared to other models that have different performance rating factors.

Higher physical damage deductibles are cheaper – Deductibles for physical damage define the amount you are willing to pay before your insurance pays a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of some claims that would be covered would be a windshield broken by a bird, fire damage, or theft of your vehicle. The larger the amount the insured has to pay upfront, the lower your rates will be.

What if I want to buy from local Bakersfield auto insurance agents?

A small number of people prefer to visit with an insurance agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is the fact that you can find cheap rate quotes and still choose a local agent. Buying from and supporting neighborhood insurance agencies is important especially in Bakersfield.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to participating agents in Bakersfield who will give competitive quotes for your insurance coverage. You won’t need to visit any agencies since rate quotes are delivered to you directly. You can find the lowest rates and work with a local agent. If for some reason you want to compare rates for a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.

Multiple types of auto insurance agents in Bakersfield

If you are wanting to purchase insurance from a good insurance agency, there are two different agency structures and how they differ in how they quote coverages. Insurance policy providers can either be exclusive agents or independent agents.

Independent Insurance Agents

These type of agents can sell policies from many different companies so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If you are not satisfied with one company, the agent simply finds a different carrier which makes it simple for you. When shopping rates, you need to get several quotes from several independent insurance agents to have the most options to choose from. They often place coverage with less well-known companies which could offer lower prices.

Shown below is a short list of independent insurance agents in Bakersfield that may be able to provide free rate quotes.

• Edward J. Herrera Insurance Agency
  2017 19th St – Bakersfield, CA 93301 – (661) 327-4028 – View Map
• Clifford and Bradford Insurance Agency
  1515 20th St – Bakersfield, CA 93301 – (661) 283-8100 – View Map
• Omega Financial and Insurance Services Inc
  400 H St – Bakersfield, CA 93304 – (661) 326-6870 – View Map

More insurance agents

Exclusive Insurance Agencies

Agents that elect to be exclusive work for only one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company’s rates so you might not find the best rates. Exclusive insurance agents receive extensive training in insurance sales which helps offset the inability to provide other markets. Some people will only buy from exclusive agents mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.

The following are Bakersfield exclusive insurance agents that can give you comparison quotes.

• Kelli Davis – State Farm Insurance Agent
  2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011 – View Map
• Rosie Schweer – State Farm Insurance Agent
  4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map
• Keith Goree – State Farm Insurance Agent
  11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000 – View Map

More insurance agents

Picking the best car insurance agent needs to be determined by more than just the quoted price. The answers to these questions are important, too.

• Will the company cover a rental car if your car is getting fixed?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• When do they do a full risk review?
• Are they involved in claim handling?
• Will you work with the agent or an assistant?

Auto insurance is not optional in California

Even though it can be expensive, auto insurance is not optional due to several reasons.

First, most states have minimum liability requirements which means you are required to buy a minimum amount of liability coverage in order to get the vehicle licensed. 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.

Second, if your Dodge Ram 3500 has a loan, most banks will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Dodge at a much higher premium rate and force you to pay the higher premium.

Third, insurance protects both your Dodge and your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.

The benefits of buying auto insurance definitely exceed the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver overpays more than $869 every year so you should quote your policy with other companies once a year at a minimum to ensure rates are inline.

Which auto insurance company is best in Bakersfield?

Finding a high-quality insurance provider is difficult considering how many companies there are in California. The company information in the lists below can help you pick which car insurance companies to look at shopping prices with.

Top 10 Bakersfield Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Bakersfield Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

You can find cheaper coverage

When getting Bakersfield auto insurance quotes online, you should never buy less coverage just to save a little money. There are too many instances where someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

More affordable insurance in Bakersfield can be found online in addition to local insurance agencies, so get free Bakersfield auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not offer internet price quotes and many times these smaller companies only sell through independent agents.

We just presented a lot of information how to compare Dodge Ram 3500 insurance prices in Bakersfield. It’s most important to understand that the more you quote Bakersfield auto insurance, the better your chances of lowering your rates. Drivers may even discover the best price on insurance is with some of the lesser-known companies.

Steps to finding affordable quotes for Dodge Ram 3500 insurance in Bakersfield

If saving money is your primary concern, then the best way to find lower priced car insurance rates in Bakersfield is to compare prices regularly from providers in California. Rate comparisons can be done by following these guidelines.

• Step 1: It will benefit you to learn about how companies set rates and the changes you can make to keep rates in check. Many things that are responsible for high rates like speeding tickets, careless driving and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes.
• Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agencies can provide rate quotes for a wide range of companies.
• Step 3: Compare the new quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and change companies, make sure there is no lapse in coverage.
• Step 4: Give proper notification to your current agent or company of your intention to cancel your current car insurance policy and submit a signed application and payment to your new insurance company. Immediately keep your new certificate of insurance in your vehicle.

The critical component of shopping around is to make sure you’re comparing the same liability limits and deductibles on every quote and and to get rate quotes from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and the best price selection.

More information can be read at these links:

• Rollover Crash FAQ (iihs.org)
• How Much is Auto Insurance for a Honda CR-V in Bakersfield? (FAQ)
• How Much are Car Insurance Quotes for a Ford Explorer in Bakersfield? (FAQ)
• What Car Insurance is Cheapest for a Honda Pilot in Bakersfield? (FAQ)
• Car Insurance FAQ (Trusted Choice)
• Insurance Losses by Make and Model (iihs.org)