As of 2014 Bakersfield has a higher crime rate that most of California and that can have an effect on car insurance rates. Located in the San Joaquin Valley, Bakersfield is 110 miles north of Los Angeles. It is the 62nd largest metropolitan area in the United States and a hub for agriculture and oil production. It is also a fast growing city, almost tripling over the last 30 years.
Bakersfield is one of the only major U.S cities not linked to an interstate highway, making traffic congestion something all residents have to take into account every day. To keep up with the growth, there are plans underway for freeway extensions, and a proposed network of beltways.
California requires two kinds of liability insurance: bodily injury liability ($15,000 per person/$30,000 per accident) and property damage liability ($5,000 per accident). This basic coverage pays for damage you cause, but not damage to your own car. And what happens if you are hit by an uninsured driver? Here is some more ideas to consider:
- Raise your deductible to the highest you can afford
- Commute using public transportation
- Bike or walk
- Install an alarm or tracking device on your vehicle for additional premium discounts
Using public transportation and the other options available will help keep your annual mileage low, and car insurance companies will usually lower your rates accordingly. The best way to save money is to get a new quotes at least twice a year. Insurance premiums are constantly under revision as economies, technologies, and populations continue to grow.