Anyone knows that auto insurance companies want to keep you from shopping around. Drivers who compare other prices will most likely switch companies because they stand a good chance of finding a cheaper policy. Remarkably, a study showed that people who made a habit of comparing rate quotes saved $70 a month as compared to drivers who never compared other company’s rates.
If saving money on auto insurance is your objective, then having an understanding of how to get free comparison quotes and analyze coverage rates can make the process more efficient.
If saving money is your primary concern, then the best way to save money on car insurance rates is to start comparing prices yearly from different companies in Bakersfield.
Step 1: Try to learn about how insurance companies determine prices and the steps you can take to keep rates in check. Many factors that increase rates like multiple speeding tickets and an imperfect credit history can be amended by improving your driving habits or financial responsibility.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple sources.
Step 3: Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
Step 4: Tell your current company of your intent to cancel your current car insurance policy. Submit payment and a completed application for the new coverage. Immediately place your new proof of insurance paperwork along with your vehicle registration.
One thing to remember is to make sure you’re comparing the same deductibles and limits on each price quote and and to get quotes from as many auto insurance providers as possible. This provides an accurate price comparison and a complete rate analysis.
Reducing your insurance rates is a great way to save money. All you need to do is take a few minutes comparing rate quotes from online providers.
Comparing free price quotes online is easy and it, takes the place of having to actually drive to each insurance agency near you. Comparing online rate quotes eliminates the need for an insurance agent unless your situation requires the professional abilities of a local agency. It is possible to get the lowest quotes online but have a local agent actually write the policy.
The companies in the list below are our best choices to provide price quotes in Bakersfield, CA. If more than one company is shown, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Insurance agent or online?
Many people just want to have an agent’s advice and that is not a bad decision Insurance agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of getting free rate quotes online is that you can find better rates and also buy local. Supporting small agencies is important especially in Bakersfield.
Once you complete this simple form, the quote information is sent to agents in your area who will return price quotes and help you find cheaper coverage. You won’t even need to find an agent on your own due to the fact that quote results will go to you. In the event you want to compare rates for a specific company, don’t hesitate to navigate to their website and fill out their quote form.
If you are wanting to purchase auto insurance from a local agent, there are two different types of agencies from which to choose. Auto insurance agencies are considered either independent or exclusive depending on the company they work for. Either one can sell auto insurance policies, but it’s good to learn the difference in the companies they write for because it can impact which agent you choose.
Independent Insurance Agents
Independent agencies often have affiliation with several companies so they can write business with multiple insurance companies and find the cheapest rate. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to do anything.
If you need cheaper auto insurance rates, you will want to check rates from at a minimum one independent agency so that you can do a thorough price comparison.
The following are Bakersfield independent insurance agencies that can give you price quotes.
Edward J. Herrera Insurance Agency
2017 19th St – Bakersfield, CA 93301 – (661) 327-4028 – View Map
William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731 – View Map
Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321 – View Map
Exclusive Insurance Agents
Exclusive agencies can only quote rates from one company and examples are State Farm or Allstate. They are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on what they offer and that allows them to sell at a higher price point.
Shown below is a list of exclusive agencies in Bakersfield that can give you price quotes.
Allstate Insurance: Ana M. Arreola
6649 Ming Ave – Bakersfield, CA 93309 – (661) 633-2633 – View Map
Allstate Insurance: Hero Singh
3400 Panama Ln h – Bakersfield, CA 93313 – (661) 229-4008 – View Map
Allstate Insurance: Shannon Hill
2500 New Stine Rd Ste 101 – Bakersfield, CA 93309 – (661) 836-1136 – View Map
Selecting a car insurance agent is decision based upon more than just the premium amount. Ask your prospective agent these questions:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How will an accident affect your rates?
- Is coverage determined by price?
- Do you qualify for any additional discounts?
- If you are a high risk driver, do they have special markets for your coverage?
- Can they give you a list of client referrals?
- What insurance company do they write the most business with?
- Does the agent have a valid license to sell insurance in California?