A recent car insurance study discovered that almost 70% of insureds have been with the same company for at least four years, and 38% of drivers have never compared rates from other carriers. Bakersfield consumers could save 35% every year, but most just don’t grasp how much savings they would realize if they replace their high priced policy.
The best way to find the cheapest price for Lexus IS 350 insurance in Bakersfield is to start doing an annual price comparison from companies in California.
- Step 1: It will benefit you to learn about how car insurance works and the measures you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates such as speeding and poor credit can be eliminated by paying attention to minor details.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote prices from many different companies.
- Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you can save money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Notify your current company of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to the new company. Immediately upon receiving it, place the new certificate verifying coverage along with the vehicle’s registration papers.
A valuable tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to look at as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and and a good selection of different prices.
Choosing the best insurance company for you in Bakersfield is really quite simple as long as you have a good starting point. If you have a policy now or just want a better rate, you will benefit by learning to get lower rates and still get good coverage. Shoppers just need to know the proper way to compare prices online from multiple companies.
Finding a better price on insurance is surprisingly easy. You just need to invest a little time comparing rate quotes to discover which company has cheaper Bakersfield auto insurance quotes.
Comparing free rates online is easy and it, makes it obsolete to drive around to insurance agents’ offices. Buying insurance online makes this unnecessary unless you have a need for the professional assistance that only a licensed agent can provide. Although you can find lower rates online but have a local agent actually write the policy.
The companies shown below offer price quotes in Bakersfield, CA. If several companies are displayed, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Lexus IS 350 insurance rates and statistics
The premium information shown below highlights different insurance rates for Lexus IS 350 models. Being able to understand how rates are figured can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| IS 350 4-Dr Sedan | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| IS 350 C 2-Dr Convertible | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in vehicle garaging location which can lower or raise premiums substantially.
The diagram below illustrates how your choice of deductibles and can change Lexus IS 350 insurance costs for different insured age categories. The data is based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Impact of speeding/accidents on Bakersfield car insurance rates
The diagram below illustrates how speeding tickets and accidents can affect Lexus IS 350 insurance prices for each different age group. The information is based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Car insurance premiums based on gender
The diagram below visualizes the comparison of Lexus IS 350 insurance costs for male and female drivers. The rate quotes are based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Cost comparison with and without full coverage
The chart below shows the difference between Lexus IS 350 auto insurance rates with liability coverage only compared to full coverage. The information is based on no violations or accidents, $500 deductibles, single status, and no discounts are applied.
When to drop comprehensive and collision
There is no clear-cut formula of when to phase out full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Lexus IS 350 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying in excess of $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some conditions where removing full coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
What if I want to buy from local Bakersfield car insurance agents?
Many drivers just want to buy from a licensed agent and that is a smart decision Insurance agents can point out coverage gaps and help in the event of a claim. One of the benefits of comparing insurance prices online is you may find cheap insurance quotes and still choose a local agent.
To help locate an agent, after submitting this quick form, the coverage information gets sent to companies in Bakersfield who want to provide quotes for your business. You don’t have to contact any agents because quoted prices will be sent directly to your email. If you wish to compare rates from a particular provider, you just need to search and find their rate quote page to submit a rate quote request.
Finding a good insurance company shouldn’t rely on just a cheap price quote. Any good agent in Bakersfield should know the answers to these questions.
- How long has the business existed?
- Are they in the agency full-time?
- Who are their largest clients?
- Can you get a list of referrals?
- Which companies can they place coverage with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- What is the agency’s Better Business Bureau rating?
When looking for a local Bakersfield insurance agency, there are two different types of agencies and how they differ in how they can insure your vehicles. Insurance policy providers can be classified as either independent agents or exclusive agents. Either one can sell insurance policies, but it’s important to know how they are different since it can impact your agent selection.
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company like State Farm, Allstate, or Farmers Insurance. These agents are not able to provide other company’s prices so they have no alternatives for high prices. Exclusive agents are trained well on their company’s products which helps them sell on service rather than price.
Listed below is a short list of exclusive insurance agents in Bakersfield that are able to give price quote information.
Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663 – View Map
Allstate Insurance: Shannon Hill
2500 New Stine Rd Ste 101 – Bakersfield, CA 93309 – (661) 836-1136 – View Map
Dawn Fore – State Farm Insurance Agent
4801 Truxtun Ave #200 – Bakersfield, CA 93309 – (661) 324-2300 – View Map
Independent Insurance Agencies
Agents that elect to be independent are not restricted to one company and that allows them to write policies with multiple insurance companies and help determine which has the cheapest rates. If prices rise, the business is moved internally and that require little work on your part. If you are trying to find cheaper rates, we recommend you get rate quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.
Shown below are Bakersfield independent agents who can help you get price quotes.
Fallgatter Rhodes Insurance
1701 G St – Bakersfield, CA 93301 – (661) 324-2424 – View Map
Covermax Insurance Agency Inc.
1910 E California Ave – Bakersfield, CA 93307 – (661) 363-0645 – View Map
Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map