Would you like an easy way to compare more competitive auto insurance rates in Bakersfield, CA? Bakersfield shoppers have a choice when shopping for the best price on Toyota Highlander insurance. You can either spend your time driving around getting price quotes or use the internet to make rate comparisons.
There are more efficient ways to buy auto insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Toyota and find the lowest possible price from both online companies and Bakersfield agents.
Smart consumers take time to do rate comparisons every six months because prices are constantly changing. Even if you got the best deal on Toyota Highlander insurance in Bakersfield on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the best methods to lower your annual insurance bill.
The intent of this article is to familiarize you with the best way to quote coverages and some tips to save money. If you currently have auto insurance, you stand a good chance to be able to shop for the lowest rates using these methods. Comparison shoppers just have to know the fastest way to buy auto insurance online from multiple companies.
Get cheaper rates with discounts
Some insurance providers don’t always publicize every policy discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance.
- Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% than less cautious drivers.
- Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on Highlander insurance in Bakersfield.
- Telematics Data – Policyholders that allow their insurance company to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
- Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations could trigger savings on auto insurance.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
It’s important to understand that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.
The information below compares Toyota Highlander insurance premiums with and without discounts applied to the rates. The data assumes a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, claim-free, and marriage discounts applied.
Companies that possibly offer these discounts are:
If you need lower rates, check with all companies you are considering how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to choose from a list of insurers offering auto insurance discounts in Bakersfield, follow this link.
The best way we recommend to compare rates for Toyota Highlander insurance in Bakersfield is to know the trick most insurance companies allow for online access to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information like daily mileage, if you have a valid license, if you lease or own, and any included safety features. That rating data is sent automatically to multiple different insurance companies and they return quotes with very little delay.
To start a rate quote now, click here and find out if you can get cheaper insurance in Bakersfield.
The following companies are our best choices to provide quotes in California. If the list has multiple companies, we suggest you visit several of them in order to get a fair rate comparison.
Toyota Highlander insurance statistics and information
The data table shown next outlines estimates of coverage costs for Toyota Highlander models. Having a good understanding how rate quotes are formulated is important for you to make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $334 | $544 | $534 | $32 | $160 | $1,604 | $134 |
| Highlander 4WD | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Highlander Sport 4WD | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Highlander SE 2WD | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Highlander Sport 2WD | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Highlander Limited 2WD | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
| Highlander SE 4WD | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
| Highlander Limited 4WD | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
| Highlander Hybrid 4WD | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
| Highlander Hybrid Limited 4WD | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific location information which can affect prices significantly.
Should you raise deductibles?
One of the hardest decisions when shopping for insurance is where to set your physical damage deductibles. The rates shown below can help show the cost difference between high and low insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Highlander 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Highlander Sport 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Highlander SE 2WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Highlander Sport 2WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Highlander Limited 2WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Highlander SE 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Highlander Limited 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Highlander Hybrid 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Highlander Hybrid Limited 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Highlander 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Highlander Sport 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Highlander SE 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Highlander Sport 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Highlander Limited 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Highlander SE 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Highlander Limited 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Highlander Hybrid 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Highlander Hybrid Limited 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in Bakersfield location which can impact premiums significantly.
Based on the figures above, using a $100 deductible costs approximately $48 more each month or $576 for a full year than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 19 months between claims, you would most likely save money if you choose a higher deductible.
Impact of violations and accidents on rates
The information below highlights how speeding tickets and fender-benders can affect Toyota Highlander premium costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Full coverage or liability only
The information below shows the difference between Toyota Highlander auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no policy discounts are applied.
Should you pay for full coverage?
There isn’t a written rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Toyota Highlander replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the deductible is paid. If premiums are more than $700 a year to have full coverage, then you might consider buying liability only.
There are some situations where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Auto insurance agents are professional risk managers
A small number of people prefer to talk to an insurance agent and that is a smart decision Most agents are highly skilled in risk management and give you someone to call. One of the great benefits of price shopping on the web is you may find lower rates and still have an agent to talk to. Buying from small agencies is still important in Bakersfield.
Once you complete this quick form, the coverage information is emailed to companies in Bakersfield that can provide free Bakersfield car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to drive around due to the fact that quote results will go to you directly. If you wish to get a price quote from one company in particular, you just need to search and find their rate quote page and give them your coverage information.
What types of auto insurance agents are in Bakersfield?
When researching local Bakersfield agents, it’s helpful to know the types of agencies and how they function. Agents in Bakersfield are classified as either independent agents or exclusive agents depending on their employer. Both types can write policy coverage, but it’s a good idea to understand the difference in how they write coverage since it can impact buying decisions.
Independent Agents
Independent agencies can quote rates with many companies so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If you want to switch companies, the agent simply finds a different carrier which requires no work on your part.
If you are comparing rate quotes, you absolutely need to compare quotes from at a minimum one independent agency to ensure the widest selection of prices. A lot of them also have access to additional companies that you may not be familiar with which can save you money.
Below are independent agencies in Bakersfield that can possibly get you cheap rate quotes.
- California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944 – View Map - Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map - El Dorado Insurance Agency, Inc.
2809 Unicorn Rd # 102 – Bakersfield, CA 93308 – (800) 221-3386 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive have only one company to place business with and examples are Farmers Insurance or State Farm. These agents are not able to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agencies receive extensive training on their products and sales techniques which helps overcome the inability to quote other rates. Drivers often use the same exclusive agent primarily because of the brand instead of buying on price only.
Below are exclusive insurance agents in Bakersfield that are able to give comparison quotes.
- Farmers Insurance: Eric Peters
1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113 – View Map - Saif Ahmad – State Farm Insurance Agent
4025 Stockdale Hwy – Bakersfield, CA 93309 – (661) 831-1200 – View Map - Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map
Picking a auto insurance agent should include more criteria than just the quoted price. You should also get answers to these questions.
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency support the community they serve?
- If they are an independent agency in Bakersfield, which companies do they recommend?
- Where are claims handled?
- Do they have designations such as AIC, CPCU, or CIC?
Persistent drivers can save
We’ve covered many ideas to compare Toyota Highlander insurance auto insurance rates in Bakersfield. The key concept to understand is the more you quote Bakersfield car insurance, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.
As you quote Bakersfield car insurance, make sure you don’t buy poor coverage just to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.
Cheap Toyota Highlander insurance in Bakersfield is possible both online as well as from independent agents in Bakersfield, and you need to comparison shop both to have the best selection. Some companies may not have the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
How to find better rates for Toyota Highlander insurance in Bakersfield
It takes a few minutes, but the best way to get budget Toyota Highlander insurance in Bakersfield is to make a habit of regularly comparing prices from insurers who provide car insurance in California. You can compare prices by following these guidelines.
- Get a basic knowledge of the different coverages in a policy and the measures you can take to prevent high rates. Many rating criteria that increase rates such as accidents, careless driving, and an unacceptable credit history can be controlled by making minor changes in your lifestyle.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple companies. Compare rates
- Compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates, make sure there is no coverage gap between policies.
An important part of this process is that you’ll want to compare the same coverage limits and deductibles on each quote request and to quote with as many car insurance companies as possible. Doing this provides the most accurate price comparison and and a good selection of different prices.
To learn more, feel free to visit the resources below:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much is Car Insurance for a Company Car in Bakersfield? (FAQ)
- Who Has Cheap Auto Insurance Quotes for High School Students in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Quotes for Business Use in Bakersfield? (FAQ)
- How Much is Auto Insurance for Low Mileage Drivers in Bakersfield? (FAQ)
- Who Has the Cheapest Bakersfield Car Insurance Rates for Teenagers? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Bakersfield? (FAQ)
- How Much are Car Insurance Rates for Seniors in Bakersfield? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Under 25 in Bakersfield? (FAQ)
- What is Full Coverage? (Allstate)
- Teen Driving and Texting (State Farm)
- Auto Crash Statistics (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)