Compare Quotes from Top Providers and Save now!

In Bakersfield, California, the average cost of home insurance is $623. Home insurance rates in Bakersfield vary widely depending on multiple factors such as the coverage requirements, home value, home size, age of the home, and the choice of deductibles. Below are some of the pointers that Bakersfield homeowners should keep in mind while shopping for the cheapest home insurance company.


Comparing Quotes

The quotes offered to Bakersfield homeowners differ from one home insurance company to another. Home insurance providers use different strategies and parameters in determining insurance rates. Agents of the home insurance company work closely with Bakersfield homeowners to understand their coverage requirements and determine their home insurance rates. vHome’s analysis reveals that Bakersfield homeowners can save as much as $237 by choosing the cheapest home insurance provider.

Deductibles Vs. Home Insurance Rates

Bakersfield homeowners can reduce their home insurance rates by opting for a higher deductible. The proportion of reduction in home insurance rates for a given deductible differs from one home insurance company to another. Bakersfield homeowners should find a balance between the deductible and home insurance costs. The average cost of home insurance in Bakersfield for deductibles of $2,500 and $2,000 is $175 and $147, respectively.

Add-on Policies

In some cases, the standard home insurance policy won’t be able to meet the coverage requirements of homeowners. Home insurance companies offer add-on policies to meet specific needs of homeowners. Bakersfield homeowners can opt for different add-on policies such as pet insurance, collectible insurance, and solar insurance. Bakersfield homeowners should opt for the home insurance provider who offers the cheapest quote for the add-on policies.

Available Discounts

Bakersfield homeowners can take advantage of the discounts provided by home insurance companies to reduce their home insurance costs. Insurance companies consider different parameters such as the age of the home, safety devices installed, employment status of the homeowner, lifestyle choices, and bundling policies to decide discounts on home insurance. Bakersfield homeowners should choose the home insurance company that offers the maximum discounts to them.

Claims History of Homeowners

Filing claims can have a negative impact on home insurance rates. Moreover, having a high claims history will result in increased home insurance rates. Filing a fire claim will increase the home insurance rate in Bakersfield by up to $124. The home insurance rates will go up depending upon the nature and type of claims. Bakersfield homeowners should spend time finding a home insurance company that charges less based on their claims history.