The vehicle model you are insuring is one of the largest factors when consumers are trying to find low-priced auto insurance for uninsured drivers. Vehicles with lots of speed or power, poor passenger safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The table below showcases car insurance premiums for a handful of the cheaper automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,160|
|Jeep Wrangler Sport 4WD 2-Dr||$1,202|
|Dodge Grand Caravan CV||$1,302|
|Hyundai Elantra GLS Touring Station Wagon||$1,329|
|Ford Escape XLS 4WD||$1,419|
|Honda CR-V LX 2WD||$1,427|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$1,495|
|Dodge Ram Quad Cab ST 4WD||$1,498|
|Ford Focus SES 2-Dr Coupe||$1,542|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,566|
|Hyundai Sonata Limited 4-Dr Sedan||$1,568|
|Toyota Camry Hybrid||$1,573|
|Chevrolet Malibu Hybrid||$1,571|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,593|
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in garaging location in Long Beach, CA which can affect insurance rates greatly.
Based on these rates, you can presume that makes and models like the Honda Accord, Jeep Wrangler, and Dodge Grand Caravan are a few of the less-costly vehicles to insure for drivers with no prior coverage.
Finding out which companies offer the lowest-priced auto insurance rates for uninsured drivers will take more time than just comparing a company or two.
Every auto insurer used slightly different criteria for filing rates in each state, so we will examine the lowest cost auto insurance companies in Long Beach, CA. It’s important to know that California auto insurance rates are influenced by many factors which can substantially change the price you have to pay. Simply improving your credit, getting divorced, or having a fender bender can trigger price changes that can make some companies more affordable than others.
Compare Cheap Insurance Quotes in California
USAA offers some of the lowest car insurance rates in Long Beach at around $1,121 per year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the lowest-priced Long Beach, CA insurance companies.
As shown in the rates above, if you are a customer of Century National and switched to USAA, you may realize a yearly savings of approximately $69. Customers with Nationwide may save as much as $129 a year, and 21st Century policyholders might see rate reductions of $258 a year.
To see if your current coverage is too expensive, click here to start a quote or quote prices from the following companies.
Remember that these estimates are averaged for all insureds and vehicles and do not take into consideration an exact zip code location for uninsured drivers. So the company that can offer you the lowest price may not even be in the list above. That is why you need to compare rates from as many companies as possible using your own individual information.
Types of discounts on Long Beach insurance rates
Insurance providers that provide policies for uninsured drivers could also offer discounts that could lower prices by 25% or more if you meet certain criteria. A list of companies and some of the premium reductions they offer include:
- GEICO has savings for emergency military deployment, multi-policy, air bags, daytime running lights, good student, seat belt use, and driver training.
- MetLife offers discounts including accident-free, defensive driver, good driver, multi-policy, good student, and claim-free.
- State Farm may offer discounts for multiple autos, defensive driving training, Drive Safe & Save, student away at school, and good student.
- Progressive may have discounts that include multi-vehicle, continuous coverage, online quote discount, homeowner, good student, and online signing.
- Mercury Insurance has discounts for good student, location of vehicle, ease of repair, low natural disaster claims, and annual mileage.
- 21st Century includes discounts for 55 and older, good student, automatic seat belts, early bird, and theft prevention.
- Allstate policyholders can earn discounts including FullPay discount, multi-policy, passive restraint, defensive driver, and 55 and retired.
The chart below visualizes the comparison of auto insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, vehicle safety, passive restraint, safe-driver, multiple vehicle, and homeowner discounts applied. With discounts applied, theamount saved on auto insurance for uninsured drivers is 28% or $830.
Insuring your vehicle with the right insurance company can be challenging considering how many companies there are to choose from in California. The information displayed below could help you pick which car insurance companies to look at when insurance shopping for uninsured drivers.
The rankings below include major nationwide insurance companies, so companies that focus mainly on California business are not included in this list. To compare prices and find the cheapest rates for uninsured drivers, just click here.
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
How to find economical insurance for uninsured drivers
The list below details some of the better thrifty solutions that can help California drivers buy low-cost coverage.
- Avoid preventable accidents
- Safe vehicles cost less to insure
- Remove physical damage coverage on older vehicles
- Buying home and auto insurance together can earn discounts
- Avoid getting citations and tickets
- Pay less by remaining claim-free
- Shop around once a year for cheaper rates
That final tip is highly important, as we emphasized in the article above. Prices can change considerably in a year, so don’t hesitate to switch carriers if you can find a cheaper rate.
Being loyal to a particular company is commendable, but it’s not recommended if that loyalty ends up costing a lot of money. Take a few minutes and compare prices and find cheaper auto insurance for uninsured drivers in Long Beach.
The agents shown below can probably provide answers to your questions and help you determine which coverage fits your budget, as lots of people like to have some professional guidance when trying to find the best insurance rates for uninsured drivers. It can be difficult to find the best coverage on your own, and getting advice from a licensed agent can give satisfaction knowing you have sufficient coverage at claim time.
To find a Long Beach insurance agent nearest to you, click the link at the bottom or click here to compare rates now.
Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338
State Farm Insurance: Damian Useda
929 E Wardlow Rd – Long Beach, CA 90807 – (562) 426-8565
Peter Chai – State Farm Insurance Agent
3253 E South St #103 – Long Beach, CA 90805 – (562) 634-2000