Car Insurance Quotes Bakersfield
Car Insurance Quotes Bakersfield
*Best Car Insurance Quotes In Bakersfield: Find Them
Car insurance in Bakersfield, California, can change in cost based on several factors. On average, full coverage car insurance costs around $1,839 per year, which is lower than the state average of $2,975. If you are looking for basic liability coverage, the rates will be much lower.
Several factors influence car insurance rates in Bakersfield. Younger drivers, particularly teenagers, usually face higher premiums because of their inexperience.
A good driving history with no accidents or violations can help lower your rates, while accidents or traffic violations can increase them. The type of car you drive, including its make, model, and age, also plays a role in determining your rates. Your ZIP code influences your premiums, as quotes may differ based on local traffic patterns and accident statistics. To find affordable car insurance, it is a good idea to compare and review quotes from multiple insurance companies. This enables you to find the best deal for the coverage you need.
Many companies give out discounts, such as for safe driving, bundling policies, or driving fewer miles. Having a good driving record will also help you keep your rates low. Make sure you are not paying for coverage you do not need by reviewing your policy and adjusting your coverage to suit your situation. Car insurance in Bakersfield can be affordable if you take the time to shop around and understand the factors that influence your rates. By comparing quotes and looking for available discounts, you can find a plan that suits your budget while ensuring you have the coverage you need. This article gives much information about car insurance quotes in Bakersfield.
READ MORE: Car Insurance Quotes Full Coverage
Car Insurance Quotes In Bakersfield
Car insurance in Bakersfield averages $2,804 per year or $234 per month for full coverage, which is slightly lower than the California state average of $248. Minimum coverage costs around $64 annually. Full coverage in Bakersfield is about 6% less than the state average and 4% more than the national average. However, your exact rate may vary depending on factors like driving history, vehicle type, and location.
Minimum Car Insurance Quotes In Bakersfield
In Bakersfield, California, drivers must have at least:
- $15,000 for injury to one person
- $30,000 for injury to multiple people in one accident
- $5,000 for property damage in an accident
In addition to this, insurance companies must offer uninsured/underinsured motorist coverage, but you can choose to decline it in writing. Instead of buying insurance, you can also meet the requirement by paying a $35,000 bond or deposit to the DMV.
READ MORE: Car Insurance Quotes For New Drivers
Car Insurance Quotes In Bakersfield
Drivers in Bakersfield, California, can access a variety of car insurance discounts to help reduce their car insurance quotes:
- Good Driver Discount: Available to drivers with a clean driving record, typically free of accidents or traffic violations for a certain period.
- Multi-Vehicle Discount: Offered when insuring more than one vehicle under the same policy.
- Multi-Policy Discount: Provides savings when bundling auto insurance with other policies, such as home or renters insurance.
- Low-Mileage Discount: Applicable to drivers who use their vehicles less frequently, indicating a lower risk of accidents.
- Anti-Theft Device Discount: Given to vehicles equipped with anti-theft devices, reducing the risk of theft.
- Good Student Discount: Available to full-time students under a certain age (often 25) who maintain a specified GPA.
- Senior Citizen Discount: Offered to older drivers, recognising their experience and potentially lower risk.
- Military Discount: Provides savings for active or retired military personnel.
- Defensive Driving Course Discount: Granted to drivers who complete an approved defensive driving course, demonstrating a commitment to safe driving.
Car Insurance Quotes For Teen
Teen drivers in Bakersfield typically cannot buy car insurance on their own until they turn 18. They must be added to their parents’ or guardians’ policy until then. Staying on their parents’ policy can help lower the cost of insurance significantly. An 18-year-old in Bakersfield pays an average of $7,382 per year for full coverage on their own. Being added to a parent’s policy brings the cost down to an average of $5,751.
Car Insurance Quotes For Young Drivers
Young drivers in Bakersfield, especially those between 20 and 25, tend to pay higher auto insurance premiums due to limited driving experience. However, rates generally decrease as drivers reach their mid-20s. A full coverage policy for a 25-year-old in Bakersfield costs around $3,476, while it’s $4,910 for a 20-year-old and $7,382 for an 18-year-old.
In the end, acquiring affordable car insurance in Bakersfield is possible because it’s easy and simple. By taking time to know your options and understand what influences your rates, you can discover a plan that suits your budget while still providing the protection you need. If you think this article has been helpful, share your thoughts and suggestions in the comment section below. Click here for more information.
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