Sadly, over 70% of California drivers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never quoted rates to find cheaper coverage. With the average premium in the United States being $1,847, drivers could save an average of nearly $859 each year just by shopping around, but they won’t spend time to compare other rate quotes.
The best way to save money on Pontiac G6 insurance is to compare prices regularly from insurance carriers who provide car insurance in Bakersfield.
First, try to learn a little about how auto insurance works and the factors you can control to prevent expensive coverage. Many rating factors that are responsible for high rates like your driving record and an imperfect credit history can be amended by paying attention to minor details. Later in this article we will cover additional tips to help reduce prices and find more discounts that you may not know about.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple companies. View rates
Third, compare the new rate quotes to your existing coverage and determine if cheaper G6 coverage is available in Bakersfield. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to remember is to use similar deductibles and liability limits on each price quote and and to get price estimates from all possible companies. Doing this enables an apples-to-apples comparison and a good representation of prices.
If you have coverage now, you will most likely be able to buy cheaper auto insurance using the following tips. Locating the best rates in Bakersfield can be easy if you know a few tricks. But California drivers do need to learn how companies market insurance on the web and apply this information to your search.
Just remember that comparing a wide range of rates helps improve the odds of finding the best price. Some insurance companies are not set up to provide online price quotes, so you also need to get quotes from them, too.
The companies in the list below offer price quotes in California. If the list has multiple companies, it’s highly recommended you visit two to three different companies in order to find the cheapest rates.
Discounts mean cheaper rates for Pontiac G6 insurance in Bakersfield
Car insurance companies don’t necessarily list every discount available very clearly, so the following is a list of some of the more common and the harder-to-find discounts that you can inquire about if you buy Bakersfield car insurance online. If you aren’t receiving every discount possible, you could be saving more on your insurance.
- Professional Organizations – Affiliation with qualifying employment or professional organizations may earn a discount on your next insurance statement.
- Good Grades Discount – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
- Multiple Cars – Insuring multiple cars or trucks with the same insurance company qualifies for this discount.
- Military Rewards – Being deployed in the military may qualify for rate reductions.
- Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
- Government Employees – Federal government employees can save as much as 8% depending on your insurance provider.
- Telematics Devices – Policyholders that allow driving data submission to study where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems could see savings of 20% or more.
- ABS Brakes – Vehicles with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
As a sidenote, many deductions do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount should help reduce the amount you have to pay.
The example below shows the comparison of Pontiac G6 auto insurance costs with and without discounts. The rate quotes are based on a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, multi-car, homeowner, and marriage discounts applied.
A few of the larger companies and their offered discounts are detailed below.
- Farmers Insurance has savings for bundle discounts, good student, teen driver, mature driver, and youthful driver.
- State Farm has discounts for anti-theft, Drive Safe & Save, good driver, good student, multiple autos, and student away at school.
- Liberty Mutual may include discounts for new move discount, newly married, teen driver discount, multi-policy, multi-car, and exclusive group savings.
- MetLife offers discounts for defensive driver, accident-free, good student, multi-policy, and claim-free.
- Progressive offers discounts including online signing, multi-policy, good student, online quote discount, and homeowner.
If you are trying to find cheaper Bakersfield car insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in every state. To choose insurance companies with significant discounts in California, click here to view.
Pontiac G6 insurance rate analysis
The premium table shown below covers detailed analysis of insurance coverage prices for Pontiac G6 models. Learning as much as possible about how premiums are figured is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in vehicle location which can alter coverage rates considerably.
Raise deductibles and save
When buying auto insurance, a common question is at what level do you set your deductibles. The following insurance rates summarize how much more you’ll pay between low and high physical damage deductibles. The first rate quote example uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific garaging location which can influence premiums greatly.
Based on the above data, using a $250 deductible will cost you approximately $31 more each month or $372 every year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 24 months between claim filings, you would probably come out ahead if you elect the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $129 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
An important thing to remember is that higher deductibles results in having to pay to pay more out-of-pocket when you have a claim. You need to make sure you have some extra funds in the event you need to pay the deductible to have repairs made.
The information below shows how different deductible levels and can influence Pontiac G6 insurance premiums for different ages of insureds. The data is based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Insurance rate increases from tickets or accidents
The chart below illustrates how violations and at-fault fender-benders can raise Pontiac G6 premium costs for each age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Auto insurance rates by age and gender in Bakersfield
The illustration below shows the difference between Pontiac G6 insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Should you buy full coverage?
The example below shows the comparison of Pontiac G6 annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are taken into consideration.
When to eliminate full coverage
There is no definitive rule for eliminating comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Pontiac G6 replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $3,000 after the deductible is paid. If premiums are more than $300 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where eliminating full coverage is not recommended. If you haven’t paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Five Tips to Get Cheaper Bakersfield Insurance Rates
Consumers need to have an understanding of some of the factors that come into play when calculating your car insurance rates. If you know what determines premiums, this enables you to make decisions that may reward you with big savings. Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are more transparent such as your marital status and annual miles driven.
Mature drivers pay less – Teen drivers in California are statistically shown to be inattentive when behind the wheel therefore car insurance rates are much higher. Older drivers are more responsible, file fewer claims, and usually have better credit.
The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Deter theft and save money – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.
Cars with good safety ratings means cheaper prices – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and reduced instances of injuries means less claims paid passed on to you as lower rates.
Marriage is a good thing – Walking down the aisle may cut your premiums compared to being single. Having a spouse usually means you are more financially stable it has been statistically shown that married drivers tend to file fewer claims.
Car and home together may be cheaper – Most major car insurance companies allow lower prices to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to check prices from other companies to guarantee you are still saving the most.
When should I have guidance from a local insurance agent?
Some people still prefer to get professional advice from a licensed agent and often times that is recommended A nice benefit of comparing auto insurance online is that drivers can save money and get cheaper rates and still buy from a local agent.
Once you complete this short form, the quote information is immediately sent to local insurance agents that can provide free Bakersfield car insurance quotes to get your business. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent immediately to your email address. You can find lower rates and an insurance agent to talk to. In the event you want to quote rates from a specific insurance company, you can always jump over to their website to submit a rate quote request.
Selecting an insurance company should depend on more than just a low price. Here are some questions you might want to ask.
- Which companies can they place coverage with?
- Do they offer rental car reimbursement?
- Is working in the agency their full-time job?
- Are they able to provide referrals?
- Is the agent CPCU or CIC certified?
- Does the company have a solid financial rating?
- Are you getting all the discounts the company offers?
If you want to use a reputable insurance agent or broker, there are a couple of types of insurance agents and how they differ in how they can insure your vehicles. Agencies in Bakersfield are either independent or exclusive.
Exclusive Agencies
Agents that choose to be exclusive work for only one company and some examples include American Family, State Farm, and AAA. They usually cannot shop your coverage around so you need to shop around if the rates are high. These agents receive extensive training on what they offer which helps overcome the inability to quote other rates.
Below are exclusive agencies in Bakersfield willing to provide rate quotes.
Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486 – View Map
Allstate Insurance: Diana Martinez
6300 White Ln T – Bakersfield, CA 93309 – (661) 827-8800 – View Map
Allstate Insurance: Charles Brummer
4300 Coffee Rd, Ste A4 – Bakersfield, CA 93308 – (661) 283-0300 – View Map
Independent Insurance Agents
Agents in the independent channel do not write with just one company and that allows them to write policies through many different auto insurance companies and find the cheapest auto insurance rates. If you are not satisfied with one company, the business is moved internally and the insured can keep the same agent. When comparing auto insurance prices, we recommend you get rate quotes from a couple of independent agencies in order to have the best price comparison.
The following are Bakersfield independent agencies willing to provide comparison quotes.
Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map
NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map
Clifford and Bradford Insurance Agency
1515 20th St – Bakersfield, CA 93301 – (661) 283-8100 – View Map
Special considerations
When quoting and comparing insurance from an agent or online for your vehicles, there really isn’t a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
These are some specific questions might help in determining if your situation will benefit from professional help.
- Are my company tools covered if they get stolen?
- Should I waive the damage coverage when renting a car?
- Can I insure my car for more than it’s worth?
- Can I get a multi-policy discount?
- Is rental equipment covered for theft or damage?
- Is my Pontiac G6 covered for smoke damage?
- Why is insurance for a teen driver so high in Bakersfield?
- Which companies will insure me after a DUI?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Auto insurance companies ranked
Selecting the best car insurance provider can be difficult considering how many different companies there are to choose from in Bakersfield. The information shown next may help you select which car insurance companies you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Final considerations
As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.
A few companies may not have price quotes online and many times these smaller companies only sell coverage through independent insurance agencies. Budget-friendly car insurance in Bakersfield is definitely available online as well as from independent agents in Bakersfield, so you need to compare both to get a complete price analysis.
Much more information about car insurance in California can be read below:
- Help Your Teen Be a Better Driver (State Farm)
- How Much is Car Insurance for a Company Car in Bakersfield? (FAQ)
- How Much are Auto Insurance Rates for a Honda Accord in Bakersfield? (FAQ)
- Who Has Cheap Bakersfield Auto Insurance Quotes for a Toyota Highlander? (FAQ)
- Who Has Affordable Car Insurance Rates for 4×4 Vehicles in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Car Insurance for a Toyota Tacoma? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance for a Toyota RAV4? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance for Uninsured Drivers? (FAQ)
- Winter Driving (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)