Ray Shakuri

Ray Shakuri

The law requires financial responsibility for each motor vehicle on the state’s roads everywhere in California, Bakersfield inclusive. Every lawful driver tries to fulfill this responsibility by purchasing car insurance. Car insurance coverage in Bakersfield helps the insured to pay for either injuries or property damage that might occur when you are behind the wheel.

The least car insurance company in Bakersfield must include liability coverage, which pays for injuries or property damage to victims when you are responsible. The policy must pay out the minimum of these amounts:

  • $15,000 for injury or death to one victim
  • $5,000 for property damage                 
  • $30,000 for injury or death to more than one victim

However, you need to know that these amounts are just the minimum coverage amounts. If you create an accident that is higher in costs, you might be sued for additional costs. 

Cost of car insurance in Bakersfield.

Drivers and car owners in Bakersfield residents are lucky because they pay less than the state average. This is as a result of your policy depending on some groups of factors like;

  • The vehicle make, model and year
  • Age of driver
  • The Driving record
  • Annual mileage
  • The different coverage types and amounts

However, when shopping to get cheap car insurance in Bakersfield, make sure you take advantage of all available discounts by getting quotes from brokers and company agents and comparing costs. 

Savings are mostly available for a good driver therefore, choose a higher deductible, make payments, or insure multiple cars.

Below are the cheap car insurance companies in Bakersfield and what makes them better even though cheap.

FARMERS INSURANCE COMPANY

Farmers Insurance offers a great variety of selection of options when it comes to insurance coverage, including discounts and savings opportunities. However, some of these benefits come at the right cost. 

Some of the benefits of choosing Farmers Insurance are embedded in their advantages as a company. The benefits are;

• Claim is easily payable because of its high rates for financial strengths

• Farmers insurance is also available at all time 

• They also have special car insurance and premium coverage options

However, the strongest feature of Farmers car insurance is its financial strength. Their claims satisfaction ratings are high and this means that customer claims are processed quickly and reliably. 

Besides this, Farmers offers different discounts for qualified customers. 

Financial Strength

AM Best ranks insurance carriers based on the aspect of the financial strength of a carrier which depicts its ability to pay legitimate claims. In this ranking system, Farmers insurance earns an A and this means that they are financially stable enough to cover their obligations to policyholders. 

Farmers Insurance Features

Farmers have launched different online tools to enable good customer support. Now, the policyholders can access different features like online price quotes, rate calculators, bill pay, and claim to file through the Farmers website or even mobile app.

Farmers Insurance car Coverage

Farmers’ car insurance gives standard coverage choices and it includes the state minimum requirement, liability-only insurance, and full coverage. You can acquire basic protection coverage or more comprehensive coverage depending on your needs.

Optional Insurance Features and Coverage

Standard coverage tends to not be enough at times and purchasing g of optional features might be necessary. 

Farmers Insurance Company offers a range of additional features such as rental reimbursement, roadside assistance, loss of use, accident forgiveness, car glass repair, new car coverage, and so on.

Types of Option 

  • Rental Reimbursement: This option covers the expenses of your vehicle rental if you have to rent a vehicle because yours cannot be used after an incident.
  • Roadside Assistance: This provides you with options like towing, battery jump starter, locksmith services, and flat tire change when your car breaks down and you need help.
  • Accident Forgiveness: This option guarantees that the rate of your policy rates will not increase if you at fault in one accident for every three years of safe driving.
  • Car Glass Repair: This option reduces deductibles for glass-only claims.
  • New Car: This ensures that the carrier will replace any new vehicle destroyed in an accident with another new vehicle of similar make and model at the full market value, not depreciation. And so on.

Available Discounts on Farmers Car Insurance Coverage

Farmers’ policyholders have access to a wide variety of discounts as long as they are qualified. These discounts help you save some amounts on your premiums. This is one of the reasons why Farmers Insurance Company is one of the cheap and best insurance companies in Bakersfield.

Types of Discount 

  • Safe Driver: This discount is offered to people with clean driving records and can get significant discounts.
  • Good Student: The discount is for students with a 3.0 GPA, i.e. those on the Dean’s List, Honor Roll, or the top 20% of their class. They qualify for additional saving opportunities.
  • Multi-Vehicle: This discount helps save money when you insure more than one car on your Farmers policy.
  • Family: Households with a driver under 20 years old and who have more drivers than the number of vehicles included in the policy are eligible for this discount.
  • Multi-Policy: Bundling, that is, combining a Farmers’ car policy with other insurance policies helps you save on your premiums.
  • Safety Equipment: A car that has anti-theft, anti-lock, passive restraint, or other safety features alone is qualified for this discount.
  • Away At School: This discount is for students who are twenty-three years old or younger who are attending a school more than 100 miles away but have no regular access to their cars.
  • Car Pay: The discount is for policyholders who choose Electronic Funds Transfer as their billing method. They are liable to receive money off on their premiums.
  • Paperless: When you choose electronic document delivery, it automatically earns you a discount with Farmers Insurance Company.
  • Pay in Full: When you have the habit of paying your premium in advance and in full, it can help you save money.

Each of these discounts employed by Farmers makes them one of the cheap car insurance companies in Bakersfield. However, it also helps them serve their policyholder better.

PROGRESSIVE

Over the years of its existence, Progressive has insured over 22 million drivers. This makes them one of the largest car insurance companies in Bakersfield and outside of Bakersfield. Bakersfield residents have access to choose from different coverage and also have access to multiple discounts. 

Financial Strength

The AM Best Financial Strength Rating is a prove of the financial strength of a company. It also reflects its ability to pay claims. Progressive has an excellent score of A+ on their metric, and this reflecting its good fiduciary strength.

Progressive Insurance Features

When shopping for cheap car insurance, it is important to look at the coverage options and special features to know what goes with your needs. Progressive is another cheap car insurance company in Bakersfield because it brings several coverage options, discounts, and rewards and to the table, including the Snapshot program which rewards safe drivers, the free bundled pet injury coverage, and other ways to get quotes.

Progressive Car Coverage

Progressive is a full coverage car insurance provider that offers mandated liability car insurance and other basic insurance policy with more coverage policies. You can easily pick a plan or receive a personalized policy that fits your budget.

Type of Coverage and Description

  • Collision: This coverage pays for repair or replaces your vehicle after a collision. Progressive also includes pet insurance in their collision coverage.
  • Personal Injury Protection: It covers medical expenses following an injury and reimbursements for non-medical costs such as lost wages.
  • Uninsured: This coverage enables you to choose from several levels of coverage to ensure financial repayment for uninsured or underinsured drivers.
  • Liability: This coverage ensures that liability combinations for bodily injury and property damage cover are made available.

Optional Insurance Features and Coverage

Progressive car insurance has an inexhaustible list of optional coverage and features you can make use of to augment your policy. For example, Progressive offers rideshare insurance.

Types of Option 

  • Rental Reimbursement: This option pays for car rentals when your vehicle is under repairs.
  • Roadside Assistance: This includes a lot of roadside assistance options. It covers towing and labor. 
  • Gap Coverage: This coverage option will pay you up to 25% on an insured vehicle’s real market value if it is ruined to help in covering a lease or loan.

Available Discounts on Progressive Car Insurance Coverage

One of the things that make Progressive a cheap insurance company is its availability of different special discounts that are made to lower your premiums. Most importantly is the Snapshots program, an opt-in special program that tracks driver behavior for six months and rewards safe drivers with discounts.

Types of Discount 

  • Safe Driver: The Snapshots program gives safe drivers an introductory discount for signing up for the program.
  • Good Student: This discount is available for high school and college students with good grades.
  • Multi-Vehicle: It offers you a discount to save up to 12% on average if you are insuring two or more vehicles.
  • Multi-Policy: This policy enables you to receive an average discount of up to 5% if you combine two or more Insurance policies with the company.
  • Car Pay: When you automatically debit payments of premiums on time you are eligible to receive a discount for your prompt payment.
  • Paperless: You will be eligible for a discount of up to 8.5% in this option when you sign your paper online and receive documents via email.
  • Pay in Full: You will be entitled to this discount when you make a lump-sum payment against paying monthly.

The availability of these discounts and options makes Progressive Insurance one of the cheap insurance companies you should consider in Bakersfield.

GEICO

GEICO car insurance offers great rates, different coverage options, and discounts. It has a high financial strength rating and is, therefore, more likely to pay out legitimate claims. These make GEICO a cheap and efficient insurance company.

Financial Strength

GEICO Insurance Company has an A++ result with AM Best which rates car insurance companies based on financial strength. This simply means that GEICO is excellent in financial stability. 

GEICO Insurance Features

GEICO has a great ability to provide a convenient online solution to their customers and this is what sets it apart from its competitors. Some of their online solutions include; a mobile app, online calculator, online bill payment, and online filing of claims.

GEICO Car Coverage

GEICO car insurance has great rates that apply to all types of coverage in most cases. You can purchase a standard policy for basic protection or buy liability insurance or a full-coverage plan that provides additional coverage for a cheaper premium.

Type of Coverage and Description

  • Collision: This covers expenses of car damage caused by a collision or rollover without considering who is at fault.
  • Uninsured: It protects you from the financial burden of an at-fault driver who has inadequate or no insurance. It also provides coverage to hit-and-runs.
  • Liability: This covers bodily injuries and property damage and is most helpful when you are at fault in an accident with another driver.

Optional Insurance Features and Coverage

Part of the way GEICO allows customization of insurance policies is through optional features. You can choose to include only those applicable to your situation and needs.

Type of Optional features 

  • Rental Reimbursement: This option pays for the cost of a rented vehicle when your vehicle is under repairs after a covered claim.
  • Roadside Assistance: It covers vehicle breakdowns, jump starts, installation of a spare tire, repair shop towing, and lockout services.
  • Accident Forgiveness: A policyholder that is carrying GEICO car insurance for two years is qualified to have protection against premium rate increase after an at-fault accident.
  • Gap Coverage: This option helps you to recover the difference between what you owe and the amount you will receive from your carrier after a total loss.
  • Mechanical breakdown: This covers mechanical damage that excluded wear and tear, tune-ups, or maintenance.

Available Discounts on GEICO Car Insurance Coverage

GEICO offers a wide range of saving opportunities for policyholders. And these discounts are part of what places GEICO among the cheap insurance companies in Bakersfield.

 Types of Discount 

  • Safe Driver: When you keep your driving record clean you can score significant savings.
  • New Vehicle: When you own a car that is at least three model years old, you may qualify for lower premiums.
  • Multi-Vehicle: This discount is offered when you insure more than one vehicle on a GEICO policy.
  • Military: GEICO took their discount offering to a great level and offer a discount for individuals who are serving or have previously served in the military too.
  • Anti Theft: Policyholders with anti-theft alarms or disabling equipment in their car will get saving opportunities.
  • Multi-Policy: You can only get this discount on premiums rate when you bundle with different GEICO insurance policies.

These discounts and options makes GEICO premium cheap even when their service is great and this is why GEICO is included among the cheap insurance company in Bakersfield.

STATE FARM INSURANCE

State Farm is another cheap insurance company that offers many coverage options, from auto insurance for teen drivers, or insurance protection for rental cars to insurance for sports cars and more. 

Financial Strength

Financial strength is important with insurance and State Farm has great insurance ratings. The two well-known organizations that provide insurance ratings based on each insurance company’s financial condition and ability to pay claims are A.M. Best and S&P Global Ratings and State Farm’s financial strength was provided by them. 

 Type of Coverage

  • Collision coverage: Collision coverage helps to pay for repair or replace your vehicle when it collides with an object or another vehicle.
  • Comprehensive coverage: This coverage helps pay for repair or replace your vehicle if it gets damaged by something aside from a collision, including theft, fire, or colliding with an animal.
  • Liability coverage: This coverage helps to pay for another party’s medical expenses, repairs, or property damage that you are responsible for.
  • Car rental and travel expenses coverage: This coverage pay for the cost of renting a vehicle while your car is in the repair shop. 

Travel expense coverage helps pay for your meals, lodging, and transportation when you are involved in an accident 50 miles or more from home.

Discounts in State farm

  • Safe Driver Discounts 
  • Accident-Free Discount
  • Good Student Discount
  • Good Driving Discount
  • Student Away at School Discount
  • Vehicle Safety Discount
  • Anti-Theft Discount
  • Discounts for Loyal Customers
  • Multiple Auto Discount

These discounts and coverage just like in the case of the previously mentioned company make State Farm eligible to be among one of the cheap insurance companies in Bakersfield. 

 Conclusively, it is important to cover your car and this can be done in the easiest and cheap way possible and this is why you have those cheap insurance companies listed above, to ease insurance costs and make insurance easier and more exciting for you.            

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