Find Affordable Toyota Yaris Insurance in Bakersfield

Are you drained from scraping nickels together each month for car insurance? You are no different than many other California consumers.

Inconceivable but true, most drivers in California kept their policy with the same company for more than four years, and just short of a majority have never compared rate quotes at all. With the average car insurance premium being $1,847, American drivers can cut their rates by 47% a year, but most tend to underestimate the actual amount they would save if they swap their current policy for a cheaper one.

How to find cheaper Toyota Yaris insurance in Bakersfield

The best way we recommend to get affordable auto insurance rates in Bakersfield is to make a habit of comparing prices annually from companies in California.

• Step 1: It will benefit you to learn about what coverages are included in your policy and the changes you can make to keep rates in check. Many rating criteria that cause rate increases like at-fault accidents and your credit history can be amended by making minor changes in your lifestyle.
• Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes for many different companies.
• Step 3: Compare the quotes to your current policy premium to determine if you can save on Yaris insurance in Bakersfield. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Give proper notification to your current agent or company of your decision to cancel your current auto insurance policy. Submit the application along with any required down payment to the new company. Be sure to keep your new certificate verifying coverage with your registration paperwork.

The key aspect of shopping around is that you’ll want to make sure you compare identical coverage information on every price quote and and to look at every company you can. This ensures the most accurate price comparison and a complete price analysis.

There is such a variety of car insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it can be more difficult to find the lowest cost provider for Toyota Yaris insurance in Bakersfield.

Finding the cheapest coverage in Bakersfield is not that difficult as long as you know where to start. In essence, anyone who shops around for insurance will find better rates. Although California vehicle owners must learn the way companies price online insurance and apply this information to your search.

The easiest way to compare insurance rates in your area is to know the fact most of the larger companies participate in a system to compare rate quotes. To get started, all you need to do is provide a little information including if it has an anti-theft system, if you lease or own, your occupation, and deductibles desired. That information is then submitted to insurance companies and you will get price comparisons instantly.

If you would like to compare rates now, click here and find out if you can get cheaper insurance in Bakersfield.

The providers in the list below are ready to provide comparison quotes in Bakersfield, CA. If the list has multiple companies, we suggest you visit as many as you can to get a more complete price comparison.

Insurance coverage analysis

The data table shown below covers estimates of coverage prices for Toyota Yaris models. Learning more about how auto insurance prices are determined is important for you to make informed decisions when comparing rates.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific garaging location which can change premiums significantly.

Physical damage deductibles

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The rates below approximate the rate fluctuation when you select higher and lower deductibles. The first set of prices uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific Bakersfield garaging location which can change coverage rates considerably.

We can derive from the above data that using a $250 deductible costs roughly $30 more each month or $360 for a full year averaged for all Yaris models than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 25 months between claims, you would save money if you opt for a higher deductible. The table below illustrates an example of how you can do this calculation yourself.

The example below shows how choosing a deductible and can change Toyota Yaris insurance costs for each different age group. The information is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Male drivers versus female drivers

The chart below shows the comparison of Toyota Yaris car insurance costs for male and female drivers. The data is based on no violations or claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Discounts can help lower premiums on Toyota Yaris insurance in Bakersfield

Some providers do not list their entire list of discounts very clearly, so the list below gives a summary of a few of the more common as well as some of the hidden ways to save on car insurance.

• Discount for Good Grades – Performing well in school may save as much as 25% on a Bakersfield car insurance quote. Most companies allow this discount up to age 25.
• Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
• Passenger Safety Discount – Options like air bags could see savings of more than 20%.
• Telematics Devices – Bakersfield drivers who agree to allow companies to study driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Safe Driver Discount – Accident-free drivers can save as much as half off their rates than drivers with accidents.
• Multiple Vehicles – Buying insurance for more than one vehicle on a single policy can get a discount on all vehicles.
• College Student Discount – Older children who are attending college and don’t have a car could qualify for this discount.
• Driver Training Discounts – Completing a class that teaches defensive driving techniques may get you a small discount depending on where you live.
• Active Military Service – Being on active deployment in the military may lower your prices slightly.
• Auto/Life Discount – Insurance companies who offer life insurance give better prices if you take out some life insurance in addition to your auto policy.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The example below visualizes the comparison of Toyota Yaris insurance premiums with and without discounts applied to the premium. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, marriage, and safe-driver discounts applied.

Insurance companies that may offer quotes with these money-saving discounts include:

• GEICO
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not apply to policyholders everywhere. If you would like to choose from a list of insurers with the best Toyota Yaris insurance discounts in Bakersfield, click here.

Protect your vehicle and other assets

Despite the high cost, insuring your vehicle serves an important purpose.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability 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 you have a lien on your Yaris, almost all lenders will require you to buy insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Toyota at a much higher rate and require you to fork over much more than you were paying before.

Third, insurance safeguards not only your Toyota but also your financial assets. It will also provide coverage for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $825 a year so you should quote rates at every renewal to help ensure money is not being wasted.

Are car insurance agents obsolete?

Many drivers would prefer to have an agent’s advice and that can be a smart move A good thing about comparing car insurance online is that drivers can save money and get lower rates and still buy from a local agent.

After completing this form (opens in new window), your insurance data is instantly submitted to agents in your area who will gladly provide quotes to get your business. There is no reason to even leave your home since price quotes are sent immediately to your email address. You can get cheaper car insurance rates AND an agent nearby. If you want to compare prices from a specific insurance company, you just need to navigate to their website to submit a rate quote request.

Picking the best provider requires you to look at more than just the quoted price. Agents should be asked these questions:

• Are they in the agency full-time?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are they primarily personal or commercial lines agents in Bakersfield?
• Does the company have a solid financial rating?
• Does their agency support local causes in Bakersfield?
• Is coverage determined by price?

Upon receiving acceptable answers to these questions in addition to an acceptable price estimate, you may have just found an insurer that is a good match to properly service your car insurance policy. Just understand that you can terminate coverage at any point so don’t think you’re contractually obligated to a specific agent for a certain time period.