Finding out which company quotes the lowest-priced insurance rates for teachers involves a little more work in order to find the lowest price.
Each auto insurer uses a little different formula for setting prices, so let’s take a look at the insurance companies that tend to have lower prices in California. It’s important that you understand California insurance rates are determined by lots of factors that can increase the cost of having a policy. Turning one year older, increasing liability limits, or getting a few speeding tickets may cause policy rate changes resulting in some companies being more affordable than competitors.
Best Auto Insurance Prices for Educators
USAA has some of the cheapest car insurance rates in Bakersfield at around $1,143 each year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the lowest-priced Bakersfield, CA car insurance companies.
In the rate table above, if you have coverage with Century National and switched to USAA, you could earn an annual savings of about $35. Customers with CSAA might save as much as $79 a year, and Nationwide policyholders might reduce prices by as much as $107 a year.
It’s important to note that these premiums are averaged across all drivers and vehicles and and are not figured with a specific location for teachers. So the auto insurance company that is best suited for you may not even be in the top 24 companies in the list above. That illustrates why you need to quote rates from many companies using your own driver and vehicle profiles.
The make and model of vehicle on the policy is probably the most important factor in finding the most economical auto insurance for teachers. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.
The next table showcases auto insurance prices for a number of the most budget-friendly vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $902 |
| Dodge Grand Caravan CV | $920 |
| Ford Escape Limited 2WD | $953 |
| Honda Odyssey EX | $955 |
| Honda Civic DX 4-Dr Sedan | $960 |
| Volkswagen Jetta LE 4-Dr Sedan | $973 |
| Ford Explorer Eddie Bauer 4WD | $991 |
| Ford F-150 FX2 2WD | $1,001 |
| Toyota Camry SE | $1,026 |
| Toyota Prius | $1,028 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,043 |
| Jeep Grand Cherokee Limited 4WD | $1,045 |
| Ford Edge Limited 2WD | $1,047 |
| Chevrolet Impala LS | $1,056 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,063 |
| Toyota RAV4 Sport 4WD | $1,067 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,071 |
| Honda Accord LX-S 2-Dr Coupe | $1,096 |
| Ford Focus SEL 4-Dr Sedan | $1,106 |
| Chevrolet Silverado LS Crew Cab 2WD | $1,114 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific Bakersfield, CA garaging location which can increase or decrease coverage rates significantly.
Looking at the data, we can conclude that models like the Honda CR-V, Dodge Grand Caravan, Ford Escape, Honda Odyssey, and Honda Civic are most likely to be a few of the most budget-friendly vehicles to insure for teachers and educators.
One of the more important criteria that help determine the cost of insurance is where your residence is in Bakersfield. Areas with a lot of weather claims or more people will most likely pay more, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The next table sorts the highest-priced places in California for teachers to purchase a policy in. Bakersfield comes in at #20 with an annual cost of $1,353 for car insurance, which is about $113 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,595 |
| 8 | Fontana | $1,581 |
| 9 | Long Beach | $1,562 |
| 10 | Stockton | $1,541 |
| 11 | Modesto | $1,532 |
| 12 | Garden Grove | $1,508 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,395 |
| 19 | Huntington Beach | $1,374 |
| 20 | Bakersfield | $1,353 |
| 21 | Fremont | $1,348 |
| 22 | San Diego | $1,340 |
| 23 | Irvine | $1,330 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Annual rates are comparative as specific Bakersfield garaging address can revise auto insurance rates considerably.
Impact of careless driving on insurance rates
The ideal way to enjoy the cheapest insurance rates in Bakersfield for teachers and educators is to be a safe driver and not get tickets or have accidents. The illustration below shows how violations and at-fault claims can drive up premium costs for different age categories. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Bakersfield per year with a clean driving record and no accidents is $2,199. Factor in one speeding ticket and the average cost hikes up to $2,493, an increase of $294 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of insurance for teachers jumps again to an average of $5,028. That’s an increase of $2,829, or $236 per month, just for not keeping your driving record clean!
The chart below illustrates how your deductible choice can raise or lower insurance costs when researching cheap insurance for teachers. The information is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could save $408 a year by switching from a $100 deductible up to a $500 deductible, or save $614 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices up to $1,008 or even more just by using higher deductibles.
If you do raise deductibles, it will be required to have emergency funds available to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Low rates can quickly become overpriced
California insurance rates are influenced by many factors that control the cost of having a policy. Simply improving your credit, becoming a homeowner, or getting caught speeding may prompt premium changes that can now make some companies cheaper than competitors.
Not only may things change on your end, but auto insurance companies modify pricing multiple times each year in order to remain profitable. Higher than normal claims may result in increased policy costs, while less frequent claims may result in more affordable Bakersfield car insurance rates.
The chart below shows the companies that have the cheapest car insurance in Bakersfield, CA for a 45-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we estimate prices based on her current risk factors, USAA might offer the lowest car insurance rates in Bakersfield at $1,169 annually. This is $482 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the cheapest Bakersfield, CA auto insurance companies.
Now we will pretend the driver from the first set of rates a claim, a little lower credit rating, and a stop sign violation. Since every car insurance company has a different formula to determining premium rates, analyzing rates most likely will result in a new list of the cheapest car insurance companies in Bakersfield as shown below.
Grange now has the lowest price in Bakersfield, CA with Progressive, GEICO, Mercury, and Allied now rounding out the top five. This example demonstrates why it is critical to compare lots of rates when trying to find the most budget-friendly car insurance rates for teachers.
Insurance prices are influenced by many risk factors and change substantially, so the cheapest rate six months ago may now not even be in the top five.