5 Tips on Getting the Best Deal on Your Bakersfield Home and Auto Insurance

Bakersfield has changed quite a bit since Crosby and Crosby first started writing insurance in 1963. Insurance has changed just as drastically. In the old days, we used a rate wheel to manually provide an insurance premium. Today, we can instantly compare our many different companies and compare side by side coverage and deductible options. To help our clients chose the right coverage options at the absolutely best value, we recommend these 5 Tips on getting the best deal for your insurance.

 

- Combine, Combine, Combine

We have all heard that combining your home and auto can help you to save money on your insurance. The discounts don’t stop there. Have you considered combining other policies such as boat, motorcycle, umbrella and even life insurance? By combining all of your policies, you can save even more through additional multi-policy discounts.

- Compare company specific discounts

Did you know that some companies provide a discount for living in a gated community? Companies have many different discounts available. An independent agent can help you to make sure the applicable discounts are being applied.

 - Compare Deductible Options

Statistically, a homeowner will have a claim every 7 years. How would raising your deductible to $1,000 or even $2,500 impact your annual insurance premium? If you can take the extra risk, a higher deductible option can payoff. Many of our clients are deciding that raising deductibles on the auto up to $1,000 is a smart move that can help to reduce your insurance premium.

- Verify Your Annual Miles

In California, your usage is a primary rating factor on your auto insurance. Annual mileage can vary tremendously from one driver to another. Do you have a short commute? A vehicle provided by your company? Are you retired? These are all factors that impact the usage of your vehicle. Make sure you are talking with your company about how many miles your are driving annually and not overpaying for your insurance.

- Shop With an Independent Agent

An independent agency represents different insurance companies.  An “agent” vs a “broker” does not charge extra fees to write a policy. An independent agent is able to present several quote options and give you a good comparison of different options. By letting an agent compare your quote options, you can make sure you are getting the best insurance value.

Let Crosby and Crosby Compare Options and Provide you with an Insurance Quote

It is easier than ever to see rates from our great companies. You can call us, 661-327-5531, email us agent@crosbyandcrosby.com, or quote live online. We provide a great comparison quote with companies like Safeco, Metlife, Kemper Preferred and Travelers.

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