Best Rates for Toyota Sequoia Insurance in Bakersfield

Locating low-cost insurance for your Toyota Sequoia in California could be a painful process, but you can use a few tricks to find lower rates. There is a better way to buy insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Toyota and find the lowest price from Bakersfield insurance agents and online providers.

You should take the time to compare prices quite often since prices trend upward over time. Just because you had the lowest rates on Toyota Sequoia insurance in Bakersfield on your last policy you will most likely find a better rate quote today. You can find a lot of wrong information about Sequoia insurance out there, but we’re going to give you some proven techniques to slash your insurance rates in Bakersfield.

If you’re already insured or are shopping for new coverage, follow these tips to lower your rates while maximizing coverage. Quoting and comparing rates for the best-priced car insurance policy in Bakersfield is quite easy. Smart buyers just have to know the most effective way to get comparison rates from multiple carriers.

Finding cheaper Toyota Sequoia car insurance rates is not a difficult process. You just need to take a couple of minutes comparing price quotes online with multiple companies.

The providers in the list below provide free quotes in California. If multiple companies are shown, we recommend you compare several of them to get the most affordable price.

Insurance coverage details

The premium information displayed next showcases different insurance coverage prices for Toyota Sequoia models. Understanding how rates are calculated is important for you to make decisions when shopping your coverage around.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can lower or raise insurance rates considerably.

Physical damage deductible comparison

A question often asked by Bakersfield drivers is the level to set your comp and collision deductibles. The figures shown below determine how much more rates are between low and high coverage deductibles. The first data table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in your specific Bakersfield location which can raise or lower insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $20 more each month or $240 annually than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 13 months between claim filings, you would most likely save money going with the higher deductible. The numbers below show the way this calculation is made.

One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket at claim time. That will require some extra funds in the event you have to pay more to get your vehicle repaired.

How careless driving impacts insurance rates

The diagram below illustrates how traffic citations and at-fault accidents can influence Toyota Sequoia insurance prices for different ages of insureds. The data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Discounts for cheaper insurance quotes

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Some discounts will apply when you complete an application, but some need to be requested specifically prior to getting the savings. If you’re not getting every credit you deserve, you are just wasting money.

• Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
• Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote Bakersfield car insurance depending on your insurance provider.
• Bakersfield Homeowners Pay Less – Simply owning a home can help you save on insurance because maintaining a house is proof that your finances are in order.
• New Vehicle Savings – Buying a new car model can be considerably cheaper due to better safety requirements for new vehicles.
• Multiple Policy Discount – If you combine your homeowners and auto policies and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.

You should keep in mind that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

The example below shows the difference between Toyota Sequoia insurance costs with and without discounts applied to the rates. The data is based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.

Car insurance companies that may include many of the previously listed discounts are:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you need lower rates, check with every insurance company to apply every possible discount. Discounts might not be offered in Bakersfield. For a list of insurers with discount rates in California, click here to view.

Why car insurance is not optional

Despite the potentially high cost of Toyota Sequoia insurance, insuring your vehicle may be mandatory for several reasons.

• The majority of states have minimum liability requirements which means you are required to carry specific minimum amounts of liability insurance if you want to drive legally. 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.
• If you bought your Sequoia with a loan, it’s most likely the lender will force you to carry insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Toyota at a more expensive rate and force you to pay for the expensive policy.
• Insurance safeguards both your car and your personal assets. It will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if anyone sues you for causing an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of buying car insurance greatly outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver overpays as much as $855 a year so shop around at every policy renewal to help ensure money is not being wasted.

Which auto insurance company is best in Bakersfield?

Picking a highly-rated insurance provider is hard considering how many different insurance companies sell coverage in California. The company information displayed below may help you choose which providers to look at purchasing coverage from.

Top 10 Bakersfield Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Top 10 Bakersfield Car Insurance Companies Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

Don’t assume everyone needs the same auto insurance coverage

When buying your policy, there really is no cookie cutter policy. Your financial needs are unique.

Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

• Where can I find high-risk insurance?
• What if a claim settlement is too low?
• Is my Toyota Sequoia covered for smoke damage?
• What is high-risk coverage and where do I buy it?
• Do I need special endorsements for business use of my vehicle?
• Does my policy pay for OEM or aftermarket parts?
• What happens if I owe more than my Toyota Sequoia is worth?
• Am I covered when pulling a rental trailer?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance quotes from local neighborhood Bakersfield car insurance agents

Some people still like to buy from a local agent and that is OK! Most agents are trained to spot inefficiencies and will help you if you have claims. An additional benefit of comparing rates online is that you can find cheaper prices and still buy from a local agent.

Upon completion of this quick form, your insurance data is immediately sent to local insurance agents who will return price quotes for your coverage. You won’t need to leave your computer because prices are sent to your email. If you want to get a price quote from a specific car insurance provider, don’t hesitate to jump over to their website and fill out their quote form.

Choosing the best company should depend on more than just the quoted price. Get answers to these questions too.

• Where would your vehicle be repaired?
• Does the agent recommend any additional coverage?
• Do they have designations such as AIC, CPCU, or CIC?
• Do they have cheaper tiers of coverage?
• Is there any savings for paying the full premium?
• How long have they worked with personal auto insurance coverage?

Independent or Exclusive: It’s your choice

If you want to buy car insurance from a reputable insurance agent or broker, you should know the types of agencies and how they are slightly different. Car insurance policy providers may be either independent or exclusive. Both types of agents can do a good job, but it’s good to learn the differences because it can impact which agent you choose.

Exclusive Car Insurance Agents

Agents of this type generally can only insure with one company such as American Family, State Farm, and Allstate. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. These agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers frequently buy insurance from these agents mainly due to the brand legacy and the convenience of having all coverages with one company.

The following is a list of exclusive insurance agents in Bakersfield that are able to give rate quotes.

• Jeremy Scheidle – State Farm Insurance Agent
  2017 24th St – Bakersfield, CA 93301 – (661) 861-9797 – View Map
• Allstate Insurance: Lee Hernandez
  1801 21st St Ste 3 – Bakersfield, CA 93301 – (661) 327-7761 – View Map
• Mike Boyer – State Farm Insurance Agent
  9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140 – View Map

More Bakersfield agents

Independent Car Insurance Agencies

Agents that choose to be independent are not employed by any specific company so they can quote policies with an assortment of companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and that require little work on your part.

When comparing rate quotes, we recommend you compare quotes from several independent insurance agents to get the most accurate price comparison. Most independent agents also contract with companies you’ve never heard of which could offer lower prices.

The following is a short list of independent agents in Bakersfield that are able to give price quotes.

• Nationwide Insurance: Mountain Pacific Insurance And Financial Services
  3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map
• Hay Insurance Agency Inc.
  4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933 – View Map
• Edward J. Herrera Insurance Agency
  2017 19th St – Bakersfield, CA 93301 – (661) 327-4028 – View Map

More Bakersfield agents