Finding the Best GEICO Insurance in Bakersfield, California

If you live in Bakersfield, you know how important it is to have good car insurance With so many options, how do you choose? In this article, I’ll share my tips for finding the best GEICO insurance in Bakersfield, CA

Why Consider GEICO?

Founded in 1936, GEICO is one of the biggest car insurance providers in the U.S Here are a few key reasons to consider them for your policy

Affordable rates GEICO is known for competitive pricing, especially for drivers with good credit and clean records. Bundling policies can also help you save.
Good coverage: GEICO policies meet California minimum requirements and have options to customize for more protection.
Top financial strength: GEICO has an A++ rating from AM Best, indicating excellent ability to pay claims. This gives peace of mind.
Easy claims process: GEICO has a reputation for fast claims handling and 24/7 customer service to help when you need it.
Local agents: In addition to direct sales, GEICO has agents throughout Bakersfield to provide personalized service.

So GEICO has a lot of advantages as an insurance provider. Now let’s look at how to find the best rate and service in Bakersfield.

Getting Started with Online Quotes

Whenever I shop for insurance, I start by getting quotes online. It’s the quickest way to compare pricing from multiple companies.

GEICO makes it very easy to get a fast quote right on their website. Just visit geico.com and enter your basic info like:

Where you live
What vehicles you want to cover
Your driving history

Within 2-3 minutes you can have a customized GEICO quote for Bakersfield.

Be sure to have details like VIN numbers, driving records, and policy limits handy so the quote is as accurate as possible.

I recommend getting quotes from other major insurers too like State Farm, Allstate, and AAA. This lets you see how GEICO’s pricing stacks up.

Connecting with a Local Agent

While online quotes are great, I still like discussing insurance face-to-face with an agent when possible.

GEICO has over 15 local agents and offices in the Bakersfield area. I researched reviews and reached out to a few top-rated agents directly.

Speaking with an agent can help you understand important considerations like:

Any discounts you may qualify for
Required coverages in Bakersfield
Differences in deductibles and limits
Additional policy options

A good agent takes the time to explain all this and ensures you get the right GEICO policy for your needs.

You can find GEICO’s Bakersfield agents easily on their website. I recommend Patrick Stach or Ruben Medina who both have stellar reviews.

Maximizing Discounts to Get the Best Rate

One tip for getting the lowest premium is taking advantage of all possible discounts. Here are some to ask about from GEICO in Bakersfield:

Good driver discount: Up to 26% off for a clean record
Good student discount: Up to 15% off with B average or higher
Multi-policy discount: Up to 15% off for bundling home and auto
Anti-theft device discount: Up to 25% off for cars with anti-theft systems
Defensive driver discount: Up to 15% off for completing an approved course

The best GEICO agents will proactively review discounts with you. Be sure to also mention any professional affiliations, military service, or security features on your car.

Every bit of savings adds up. Combining multiple discounts can reduce your premium significantly.

Comparing Quotes for Multiple Vehicles

If you’re insuring more than one vehicle, take advantage of GEICO’s multi-car discount.

The best approach is bundling all your cars on a single policy. Be sure to get quotes both individually and bundled to compare pricing.

Some additional ways to save with multiple vehicles:

Pick higher deductibles on older cars to reduce premiums
Drop collision/comprehensive coverage on older cars worth less than 10 years of premiums
Ask about any loyalty discounts for insuring all vehicles with GEICO

Review the quotes carefully side-by-side to optimize coverage and discounts across all cars. Having a great GEICO agent to explain the differences is invaluable.

Considering Usage-Based Insurance

One newer option from GEICO to consider is usage-based insurance through their DriveEasy program.

This uses an app and device in your car to track driving habits. Safe driving can then earn a discount up to 20% on your premium.

Usage-based insurance isn’t for everyone, but may be appealing if:

You drive very safely and want to guarantee maximum savings
You don’t put a lot of miles on your car
You are comfortable with the tracking device and app

Discuss the pros and cons with your agent to see if this fits your situation. It’s an innovative way GEICO provides to potentially lower your costs.

Reviewing Policy Limits and Deductibles

As a final step, I recommend reviewing your policy limits and deductibles with your GEICO agent.

Make sure you understand the costs and benefits of adjusting these. Some tips:

Raise deductibles to lower premiums, but ensure you have savings to cover the higher out-of-pocket costs
Consider dropping comprehensive/collision coverage on older vehicles
Review liability and uninsured motorist limits to ensure adequate protection

Finding the right balance between premiums and out-of-pocket risk is key. An experienced Bakersfield GEICO agent can walk you through the options.

Find Your Best GEICO Policy in Bakersfield

I hope these tips help you land a great GEICO insurance policy in Bakersfield. Taking the time to get quotes, connect with an agent, and optimize discounts pays off.

GEICO makes it easy with competitive pricing and great local service. Drivers in Bakersfield have access to some of the best car insurance GEICO offers – now it’s just a matter of finding the plan that fits your specific needs.

Minimum California Car Insurance Coverage

California requires drivers to carry at least the following auto insurance coverages:

Liability coverage for injuries to people: at least $15,000 per person and $30,000 per accident
Property damage liability coverage: $5,000 minimum
Uninsured motorist bodily injury coverage²: at least $15,000 per person and $30,000 per accident
Uninsured motorist property damage coverage¹: $3,500 minimum

While these are the minimum coverages California requires you to have, everyones insurance needs are unique. Visit our Coverage Calculator to get a personalized recommendation.

Don’t have a GEICO Account?

Your insurance policy is with a GEICO Insurance Agency partner. With just a few clicks, you can find policy service options and contact information for that partner.

Insurance
Information
Dark Mode
- Español

You are about to leave geico.com

When you click “Continue” you will be taken to a site owned by , not GEICO. GEICO has no say over how they handle privacy, and they are not responsible for how you use their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Geico closing offices in California, including in Bakersfield

FAQ

Why is Geico no longer in California?

Over the last year, several large insurance companies, such as GEICO, Allstate, and most surprisingly, Liberty Mutual have pulled out of California’s auto insurance market. The conditions in the state have led the insurers to believe that California drivers are too expensive to insure.

Is Allstate cheaper than Geico?

Geico and Allstate are both reasonably priced insurers for most drivers, but there are some clear differences when it comes to the average cost of their policies. As you can see in this chart, Geico is the cheaper of the two for the average driver.

Is Geico insurance cheaper than Progressive?

Geico charges slightly cheaper rates if you have a clean record. Geico offers quotes that average $1,937 annually for a full-coverage policy and $727 for a liability policy. Both Geico and Progressive offer quotes at average rates that are close to the national average rate.

Is Geico good in California?

Based on our research, Geico offers the best car insurance in California. Progressive, USAA and State Farm are also reliable options for most drivers.

Can GEICO help you get a home insurance policy?

Your local GEICO office can help you get a homeowners or renters policy through the GEICO Insurance Agency. Love the open road? GEICO can help you with coverage for your motorcycle, ATV or RV, too! The sooner you contact Trenea, the sooner you could start saving with GEICO.

Who has the cheapest insurance in Bakersfield?

Wawanesa has the cheapest coverage in Bakersfield at $88 per month or $525 for a six-month policy. In second place is GEICO, with rates of $673 per six-month policy. This breaks down to about $112 on a monthly basis. The third cheapest company on our list is USAA. On average, a USAA policy in Bakersfield costs $801 per six-month policy.

Is GEICO a good company?

As a member of the Berkshire Hathaway group of companies, GEICO is rated A++ for financial strength by A.M. Best Company and ranks at the top of several national customer satisfaction surveys.

Can Geico car insurance save you money?

You may be able to get car insurance discounts for features that are standard on newer cars like having air bags and anti-lock brakes. You could save money when you combine property insurance with your GEICO car insurance policy.