If you’re a Bakersfield, California resident and you’re looking for auto insurance, you need to know about the state’s insurance requirements. You’re also probably wondering what kind of coverage you need to get. This article will give you an overview of standard auto insurance coverage in Bakersfield so that you can make an informed decision about your own policy.
What is Standard Auto Insurance Coverage?
If you’re a driver in Bakersfield, California, it’s important to know what standard auto insurance coverage is and how it can help you in the event of an accident. Standard auto insurance coverage typically includes bodily injury and property damage liability, as well as medical payments coverage and uninsured/underinsured motorist coverage.
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Bodily injury liability coverage can help pay for the medical bills of someone injured in an accident that was your fault. Property damage liability coverage can help pay to repair or replace someone else’s property if you damage it in an accident. Medical payments coverage can help pay for your own medical bills after an accident, regardless of who was at fault. Uninsured/underinsured motorist coverage can help protect you financially if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
While standard auto insurance coverage is not required by law in California, it is required by most lenders if you finance your vehicle. That’s why it’s important to know what your options are and make sure you have the coverage that’s right for you.
What Does Standard Auto Insurance Cover in Bakersfield, California?
Residents of Bakersfield, California are required by law to have auto insurance. But what does this coverage actually entail? Here is a breakdown of the standard coverages included in most auto insurance policies in Bakersfield:
-Bodily injury liability: This coverage protects you financially if you are found responsible for causing injuries to another person in an accident.
-Property damage liability: This coverage pays for damages you cause to another person’s property, such as their car, in an accident.
-Medical payments or personal injury protection (PIP): This coverage helps pay for your own medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.
-Uninsured/underinsured motorist: This coverage protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover your damages.
-Collision: This coverage pays for repairs to your own vehicle if it is damaged in an accident, regardless of who is at fault.
-Comprehensive: This coverage pays for damages to your vehicle that are not caused by an accident, such as theft, vandalism, or weather damage.
How Much Does Standard Auto Insurance Cost in Bakersfield, California?
Auto insurance rates in Bakersfield, California can vary depending on a number of factors. However, the average cost of auto insurance in Bakersfield is $1,842 per year. This figure is based on data from the California Department of Insurance for 2018.
There are a number of ways to save on auto insurance in Bakersfield. One way is to shop around and compare rates from different insurers. Another way to save is to take advantage of discounts. Many insurers offer discounts for things like having a clean driving record or being a safe driver.
If you’re looking for standard auto insurance coverage in Bakersfield, California, the best place to start is by shopping around and comparing rates from different insurers. By doing this, you can be sure you’re getting the best coverage at the most affordable price.
How to Get the Best Rate on Standard Auto Insurance in Bakersfield, California
There are a few things California drivers can do to get the best rate on standard auto insurance in Bakersfield. First, drivers should be aware of the different types of coverage available. The most common type of insurance is liability insurance, which covers damage to other people and property in the event of an accident. Other types of coverage, such as collision and comprehensive insurance, cover damage to the driver’s own vehicle.
Next, drivers should shop around for rates. Insurance rates can vary significantly from one company to the next, so it pays to compare quotes. Drivers can get quotes from insurance companies online or by calling a local agent.
Finally, drivers should consider raising their deductibles. A higher deductible means that the driver will have to pay more out-of-pocket in the event of an accident, but it also means lower premiums. By raising the deductible, drivers can save money on their monthly premiums.
Auto insurance coverage in Bakersfield, California is typically pretty standard. Most insurers will offer liability insurance, which covers damage that you cause to other people or property while driving. You’ll also likely be able to get collision and comprehensive coverage, which covers damage to your own car in the event of an accident or other incident. If you’re looking for auto insurance in Bakersfield, it’s a good idea to compare quotes from several different insurers to make sure you’re getting the best possible coverage for your needs.
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