Cheapest Saturn VUE Insurance in Bakersfield

The preferred way to get the cheapest Saturn VUE insurance is to do a yearly price comparison from insurance carriers in Bakersfield.

• Step 1: Try to understand individual coverages and the steps you can take to prevent high rates. Many factors that drive up the price like tickets, at-fault accidents, and poor credit history can be controlled by improving your driving habits or financial responsibility. Continue reading for tips to get affordable coverage and get additional discounts that may be available.
• Step 2: Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can quote rates from multiple sources.
• Step 3: Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price and make a switch, verify that coverage does not lapse between policies.

The critical component of shopping around is to try to use similar deductibles and liability limits on every quote and and to get price estimates from as many companies as you can. This provides a fair price comparison and plenty of rates choose from.

It’s astonishing, but a large majority of consumers kept their coverage with the same car insurance company for well over three years, and approximately 40% of consumers have never even shopped around for cheap coverage. With the average premium in the United States being $1,847, drivers could save about $850 each year just by comparing rates, but they don’t invest the time required to compare other rate quotes.

Best companies for affordable Saturn VUE insurance in California

The companies shown below offer price comparisons in Bakersfield, CA. If several companies are displayed, it’s a good idea that you compare several of them to get the best price comparison.

Saturn VUE insurance coverage information

The information below showcases detailed analysis of coverage costs for Saturn VUE models. Understanding more about how insurance quotes are determined can be valuable when making decisions on which coverage to buy.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in garaging location in Bakersfield which can raise or lower rates significantly.

Raise deductibles and save

When shopping for insurance, a common question is at what level do you set your deductibles. The following tables can help you understand the differences in premium rates when you choose different comp and collision deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in Bakersfield location which can lower or raise premiums substantially.

We can estimate from the data above that using a $250 deductible costs about $17 more each month or $204 annually across all Saturn VUE models than buying the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claim filings, you would more than likely save some money if you elect the higher deductible.

The information below shows how choosing a deductible and can change Saturn VUE annual premium costs for different ages of insureds. The information is based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Full coverage or liability only

The diagram below compares Saturn VUE auto insurance rates with and without full coverage. The price estimates are based on no claims or violations, $250 deductibles, single marital status, and no discounts are applied.

Should you pay for full coverage?

There is no set rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your Saturn VUE claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after you pay the deductible. If you are currently paying more than $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some situations where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

These discounts can lower your car insurance quotes

The cost of insuring your cars can be expensive, but you may qualify for discounts that may help make it more affordable. Some discounts apply automatically when you quote, but some may not be applied and must be specifically requested before being credited.

• Onboard Data Collection – Drivers that enable data collection to look at when and where they use their vehicle remotely such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• Bundled Policy Discount – If you combine your home and auto policies and place coverage with the same company they may give you a discount of at least 10% off all policies.
• Driver Education Discount – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
• Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy a life policy as well.
• Lower Rates for Military – Having a deployed family member may lower your premium rates slightly.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will definitely reduce the premium cost.

The illustration below illustrates the comparison of Saturn VUE insurance premiums with and without discounts being applied to the rates. The rates are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

A list of car insurance companies and their possible discounts are outlined below.

• GEICO offers premium reductions for federal employee, anti-lock brakes, seat belt use, emergency military deployment, daytime running lights, and air bags.
• Auto-Owners Insurance policyholders can earn discounts including mature driver, paperless, student away at school, multi-policy, good student, and safe driver.
• American Family offers discounts including accident-free, good student, air bags, early bird, and Steer into Savings.
• Esurance may have discounts that include anti-theft, online quote, safety device, good driver, multi-policy, paid-in-full, and anti-lock brakes.
• Progressive has savings for good student, homeowner, online signing, continuous coverage, multi-policy, and online quote discount.
• State Farm may include discounts for defensive driving training, multiple autos, passive restraint, safe vehicle, multiple policy, Drive Safe & Save, and driver’s education.
• AAA includes discounts for pay-in-full, anti-theft, good student, education and occupation, multi-car, good driver, and AAA membership discount.

Double check with each company or agent which discounts they offer. Some of the earlier mentioned discounts might not apply everywhere. To see companies with the best discounts in Bakersfield, click this link.

Can’t I compare rate quotes from local Bakersfield insurance agencies?

Some consumers would rather get professional advice from a licensed agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still have a local agent. And providing support for neighborhood insurance agencies is definitely important in Bakersfield.

Upon completion of this simple form, the coverage information is immediately sent to local insurance agents who can give free rate quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork due to the fact that quote results will go to the email address you provide. You can get cheaper auto insurance rates and a licensed agent to work with. If you have a need to compare prices from a specific auto insurance provider, feel free to go to their quote page and complete a quote there.

When finding a local Bakersfield insurance agency, it can be helpful to understand the different agency structures from which to choose. Auto insurance agents are classified as either exclusive agents or independent agents.

Independent Auto Insurance Agencies

Agents in the independent channel often have affiliation with several companies so they can quote policies with many different companies and find the cheapest auto insurance rates. If they find a lower price, they can switch companies in-house and you don’t have to do anything.

If you are trying to find cheaper rates, we highly recommend that you get quotes from multiple independent agents for maximum quote selection. Most independent agents also contract with small regional insurance companies that may provide cheaper auto insurance rates.

The following is a short list of independent insurance agencies in Bakersfield that can give you free rate quotes.

• Paul Sheldon Insurance and Benefits Planning
  5251 Office Park Dr #100 – Bakersfield, CA 93309 – (661) 398-2298 – View Map
• NSE Insurance Agencies, Inc.
  5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map
• Covermax Insurance Agency Inc.
  1910 E California Ave – Bakersfield, CA 93307 – (661) 363-0645 – View Map

View more Bakersfield agents

Exclusive Insurance Agents

Exclusive agents have only one company to place business with like Farmers Insurance, Allstate, or State Farm. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They are very knowledgeable on their products and sales techniques which can be an advantage. Consumers often buy from exclusive agents mainly due to loyalty to the company rather than low rates.

The following is a list of exclusive insurance agencies in Bakersfield who can help you get price quote information.

• Kelli Davis – State Farm Insurance Agent
  2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011 – View Map
• Keith Goree – State Farm Insurance Agent
  11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000 – View Map
• Tom Smethurst – State Farm Insurance Agent
  13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 – View Map

View more Bakersfield agents

Choosing the best auto insurance agent requires more thought than just a cheap quote. You should also get answers to these questions.

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Does the agency support the community they serve?
• Do they specialize in personal lines auto insurance in Bakersfield?
• What are their preferred companies if they are an independent agency?
• Is insurance their full-time profession?

Find cheaper rates by comparing often

Discount Saturn VUE insurance in Bakersfield can be bought online as well as from independent agents in Bakersfield, so you should be comparing quotes from both to have the best selection. Some insurance providers do not provide the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

In this article, we covered quite a bit of information on how to reduce Saturn VUE insurance premium rates online in Bakersfield. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.

Drivers leave their current company for many reasons like lack of trust in their agent, being labeled a high risk driver, delays in paying claims or high prices. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

More tips and info about insurance is located in the articles below:

• Insurance Losses by Make and Model (iihs.org)
• How Much are Bakersfield Auto Insurance Quotes for a Nissan Altima? (FAQ)
• How Much are Car Insurance Rates for a Mazda CX-7 in Bakersfield? (FAQ)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Tools for Teen Driving Safety (State Farm)
• All About Airbag Safety (State Farm)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)