10 Proven Ways to Lower Car Insurance Premium in Bakersfield

Shopping for affordable Bakersfield car insurance over the internet can be difficult for consumers not familiar with comparison shopping online. Since there are so many companies in the marketplace, how can consumers even start to compare the different rates to find the lowest rates?

Don’t overlook these discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Most are applied when you get a quote, but a few must be requested specifically before you will receive the discount. If you’re not getting every credit available, you’re paying more than you need to.

• Senior Discount – Mature drivers may receive better car insurance rates.
• Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of more than 20%.
• Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
• Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
• More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
• Homeowners Discount – Owning a home in Bakersfield can save you money due to the fact that maintaining a home demonstrates responsibility.
• Club Memberships – Being a member of a qualifying organization may earn a discount when buying car insurance.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

Additional car insurance information is available on the California Department of Insurance website through this link. Visitors are able to read state legal mandates and laws, read consumer alerts, view a list of available companies, and learn about specific coverages.

Smart shoppers get results

We just covered some good ideas how you can lower your car insurance rates. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

As you shop your coverage around, never reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

The cheapest car insurance can be found online and also from your neighborhood Bakersfield agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.