Cheap Insurance Bakersfield, CA

A Central Valley Star


Bakersfield, California is a centrally located city with so much to offer.

It is the 9th most populated city in California with a population of 465 thousand residents.

Located in kern County which is the most oil producing county in all of California.

People come to Bakersfield if they want to have a place to live with all of the outdoor fun and the thriving economy build into one.

Bakersfield has a rich history based on Native American tribes and settlers who were looking for oil.

Founded in 1860, there was a terrible flood that washed away most of the settlement.

Two years later the town was rebuilt and is now one of the most populated and bustling cities in all of California.

The cost of living is still relatively low in comparison to other California towns.

People flock here every year to raise families and come to work.

Bakersfield is nestled close to the Tehachapi Mountains and not far from Death Valley National Park.

The summers here get hot, so put on the sunscreen.

You can find families out watching baseball games in shorts and tank tops.

The winter months have rain, but not as much as the Northern climate. This central valley is fairly dry.

It is not uncommon to have 110 degree days in July and August.

The main reason people come and stay in Bakersfield is the atmosphere.

If you are looking to buy a home here or have been here for many years, you need good insurance.


How To Attain Insurance In Bakersfield


If you are buying a house or even a new car, you must have insurance.

The California state requires insurance for driving, riding a motorcycle and much more.

Having the best cheap insurance Bakersfield requires you to have is essential.

The first thing you should do when thinking about purchasing insurance is to get education.

Find out what the laws are in your town and figure out what sort of insurance you are interested in.

Secondly, talk to a broker who knows the in and outs of insurance.

We at Cheap Insurance can walk you through almost any policy from homeowners, to RV insurance and motorcycle insurance.

Know the facts, have a budget and see where life take you in the great city of Bakersfield.

Let’s see what you might want and what we can offer you.

Insurance Requirements Bakersfield


Homeowners Insurance


Buying a home in the near future?

You will need to be protected against theft, home damage, fire and much more.

The best way to think about homeowners insurance is protection for your biggest investment and best purchase.

You love your home, your family and the belongings in that home.

So why not have the full coverage you deserve.

You could even save money by installing an alarm system or fire sprinkler system.

There are ways to make your home safer like replacing old locks with dead bolt locks.

We don’t want to live in fear, but we do want to be prepared for the worst.

Know the facts about how homeowners insurance works by calling us today.

Get your hands on the cheap homeowners insurance Bakersfield requires.


Here is what most policies cover:

  • Property Damage
  • Liability (in case of an accident in the home)
  • Loss of use
  • Limited coverage for stolen items
  • Additional coverage for valuables in the home
  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry.
  • You could save money and attain more security by having your smoke detectors checked and getting an alarm for your home.
  • If you have a pool, you are more likely to have an incident so make sure you get full liability coverage.


You may want more than this amount of coverage.

Maybe you have questions about discounts or costs.

Give us a call and talk to a helpful representative or get your free quote today by clicking on the link button below!


Home Quote


Renters Insurance


Renters insurance is very similar to homeowners insurance. But you don’t have to own a house to feel like you have a home.

If you rent or have tenants that rent from you, then get covered.

Renters insurance is a smart idea because everything in your house is valuable to you.

Even your clothes have value. If there is a fire or storm and you lose any of your belongings, renters insurance can be a great help.

Providing you with stability in renting because we all need a little extra protection.

In the United States, nearly 40% of all households rent instead of own. Most people who rent are 35 years of age and under and that makes up millions of people in California.

Renters Insurance from Cheap Insurance covers your valuables anywhere in the world!


Here are some facts about renters insurance:

  • A landlord’s insurance policy may not cover theft and damages. You will want to have your own. Most landlord’s insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.
  • Renters insurance is similar to homeowners insurance because it is there to cover costs when your items are stolen or damaged. It does not cover the actual house.
  • When you itemize your valuables you might be surprised how much it all costs. You could have renters insurance for as little as $20 a month.
  • A basic liability coverage is $100,000 of coverage for $50 a year. This is quite a steal, but you should have it. You can always raise the limit to $500,000 a year.


Attaining the cheap renters insurance Bakersfield requires is a good idea.

We can help provide you with information and quotes on how to make your renters insurance purchase work for you.


Renters Quote


Car Insurance


Even though Bakersfield isn’t as large as L.A. or San Fransisco, there is still traffic. And there is still risk when you drive.

Your car is your lifeline. It helps you and your family maintain jobs, and is a convenience to you when you need it the most.

Don’t get by on just the minimum amount required. You might need more such as Uninsured Motorist coverage.

Almost 20% of all drivers in California are not properly insured and if one of them hits you, you will be stuck paying out of pocket.

Talk to a broker today to make sure that this doesn’t happen to you.

Having the cheap car insurance Bakersfield requires is the law.


Here are the minimum requirements for car insurance in the state of California:

  • Bodily Injury Liability Limits: $15,000 per person and $30,000 per occurrence
  • Property Damage Liability Limits: $5,000 per occurrence
  • You may also need collision and comprehensive coverage when you have a loan out on your vehicle.
  • Towing and Roadside Assistance are a great value when you drive. You never want to get stuck out there on a long stretch of highway with your family in the car. Have towing coverage so that you can get help fast.
  • Know what kind of coverage you will need. Do you only need the minimum amount that your state requires? If you own an older car that you no longer have payments on, this may be the case. You want to find that sweet spot between looking at the coverage you need and the price you are willing to pay.
  • What is my deductible? This is important to know. Usually the higher the deductible, the lower your premiums.
  • Talk to a broker about attaining full coverage and the ways you could save with discounts.


Get the insurance you need by calling us today!

We can walk you through the process and have you signed up with a great policy in minutes.


Car Quote


Motorcycle Insurance


Instead of driving a car, you might ride a motorcycle.

You should be covered for just as much as your car if not more.

Every time you get on the back of a motorcycle you are putting yourself at risk.

This doesn’t mean you don’t love your bike. You love those tight turns on a hilly road.

Maybe you ride out from Bakersfield to the mountains on the weekends and have never felt more free.

The truth is, you are more vulnerable on two wheels than you will ever be on four.

Don’t ride with risk!

Making sure you have the cheap motorcycle insurance Bakersfield residents need is crucial.

Motorcycle insurance minimums are the same as a vehicle.

But you may also consider towing coverage and uninsured motorist coverage.


Here is an example of the minimum coverage needed to ride in the state of California:

  • Bodily Injury Liability Limits: $30,000 per occurrence/$15,000 per person
  • Property Damage Liability Limits: $5,000 per occurrence

There are many other options available as well.

  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.

It is better to be over insured than under insured!

Get your free quote here.


Cycle Quote


SR22 Insurance


Have you had a DUI?  You need SR22 insurance!

Cheap Insurance can help you through this process .

Making sure you have the right cheap SR22 insurance Bakersfield requires is a must!

You can’t get back to your normal routine without it.

Here is what you will need to do to get started:

  • Notify the DMV that you will be obtaining SR22 insurance and get the paperwork started
  • Buy at least he minimum insurance requirement for your vehicle or bike
  • Be prepared to have SR22 insurance for a minimum of three years
  • Don’t lapse on your payments or you will have to start the process over again.
  • Be sure to stay safe while driving. Taking a drivers safety course could help.

Get your free quote online today or call to ask us more questions.

You will need support during this time, and we can give it.


SR22 Quote


Health Insurance


Making sure you are healthy is not only the right thing for you, but for your family.

You might be eating healthy and exercising, but every family needs to see a doctor.

Maybe you are expecting a baby, or possibly have been diagnosed with an illness.

Let us take care of the steps it takes to get the right coverage with a doctor you trust.

California has certain coverage requirements.

You mist have health coverage in this state, but it is based on income, so the less you make, the less you have to pay.


What does health coverage really mean?

  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • You will need to pay a co-pay when you see your doctor. Usually this is no more than $15.
  • There are times when prescriptions are paid for as well, it just depends on your type of coverage.
  • You can have an HMO, PPO and everything in between.


Let us help you figure out what those are and how you can save money.

Getting the cheap health insurance Bakersfield residents should have is a great idea. Don’t waste time.

Call us today and live healthier tomorrow!


Health Quote


Life Insurance


Give your family the gift of life insurance.

Make sure everything is covered for them even after you are gone. You are a provider for many and it is up to you to make sure that your family is secure.

Life insurance is a complicated deal and that is why we are here to help.

Life insurance doesn’t have to break the bank in order to pay for your needs and wants after death.


What is life insurance?

  • A policy is a contract between a life insurance company and someone who has a financial interest in life value of someone else. Sometimes it doesn’t have to be a person but a trust. Putting money aside for another individual in case of death can greatly benefit family and friends.
  • If you are the primary provider for others, it can also replace your income for them, or give them money for college or other expenses. It can even be used to earn a cash value that you can withdraw or borrow against later.


Get your hands on the cheap life insurance Bakersfield can offer.

You could save huge and put your mind at ease with the correct life insurance policy.


Life Quote