Astonishing but true according to a recent study, almost 70% of drivers in California have purchased from the same company for four years or more, and nearly 40% of drivers have never shopped around. With the average premium in the U.S. being $1,847, drivers can cut their rates by almost $859 a year just by comparing rates, but they underestimate how much they could save if they switched.
To save the most money, the best way to get more affordable auto insurance rates in Long Beach is to do an annual price comparison from insurers in California.
- Learn about policy coverages and the modifications you can make to drop your rates. Many things that cause high rates such as distracted driving and a less-than-favorable credit score can be controlled by paying attention to minor details.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies.
- Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.
- Notify your company or agent to cancel your current policy and submit payment and a completed application for the new coverage. Make sure you keep your new certificate verifying coverage in your glove compartment.
One thing to remember is to use similar deductibles and liability limits on each price quote and and to get prices from all possible companies. Doing this guarantees an apples-to-apples comparison and a complete price analysis.
The fastest way that we advise to compare insurance rates in your area is to know the fact most larger insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is take a few minutes to give details such as level of coverage desired, how much education you have, the year, make and model of vehicles, and if you lease or own. Your details is instantly provided to multiple companies and they provide comparison quotes almost instantly.
To start a rate quote now, click here and enter your coverage details.
The companies shown below provide free quotes in California. To get the cheapest auto insurance in CA, we suggest you visit two to three different companies to find the lowest car insurance rates.
Jeep Commander insurance coverage information
The premium table displayed below showcases detailed analysis of insurance premium costs for Jeep Commander models. Having a good grasp of how insurance premiums are calculated helps drivers make decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Commander Sport 2WD||$242||$386||$416||$24||$124||$1,192||$99|
|Commander Sport 4WD||$242||$454||$416||$24||$124||$1,260||$105|
|Commander Limited 2WD||$268||$454||$416||$24||$124||$1,286||$107|
|Commander Limited 4WD||$268||$454||$416||$24||$124||$1,286||$107|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle location which can affect coverage rates noticeably.
The diagram below highlights how deductible selection and can change Jeep Commander insurance prices for each different age group. The costs are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Annual premiums for males compared to females in Long Beach
The chart below illustrates the comparison of Jeep Commander car insurance costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
How much more does full coverage cost?
The illustration below shows the difference between Jeep Commander yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims or driving citations, $250 deductibles, marital status is single, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no written rule of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Jeep Commander replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 a year for full coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Do I just need basic coverages?
Keep in mind that when it comes to choosing your policy for your vehicles, there really isn’t a “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.
- Does having multiple vehicles earn me a discount?
- Do I pay less if my vehicle is kept in my garage?
- Does coverage extend to a rental car in a foreign country?
- How many claims can I have before being canceled?
- Should I waive the damage coverage when renting a car?
- I have a DUI can I still get coverage?
- Am I covered while delivering pizza?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
When to have guidance from an insurance agent
Some consumers just prefer to sit down with an agent and that is OK! The biggest benefit of price shopping on the web is that you can find the lowest rates and still buy from a local agent. Buying insurance from local insurance agencies is still important in Long Beach.
Once you complete this form (opens in new window), your insurance data is transmitted to local insurance agents who will return price quotes for your coverage. It’s much easier because you don’t need to search for any insurance agencies since rate quotes are delivered directly to your email. You can find lower rates AND an agent nearby. If you have a need to get a comparison quote from a particular provider, you would need to jump over to their website and fill out their quote form.
If you’re trying to find a local Long Beach insurance agent, there are two types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents can be described as either exclusive or independent (non-exclusive).
Agents that choose to be independent are not employed by one company so they can insure your vehicles with lots of companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can switch companies and you stay with the same agent. If you need cheaper auto insurance rates, it’s recommended you include price quotes from multiple independent agents in order to have the best price comparison. They often place coverage with smaller companies who may have lower rates.
Featured below are Long Beach independent insurance agencies who may provide price quote information.
- Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
- Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
- Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies can only provide one company’s prices such as State Farm or Allstate. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are trained well on their company’s products which helps them sell on service rather than price. A lot of people use the same agent mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below are Long Beach exclusive insurance agencies who can help you get rate quotes.
- Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 – View Map
- Vali De Vries – State Farm Insurance Agent
1777 N Bellflower Blvd #111 – Long Beach, CA 90815 – (562) 494-7700 – View Map
- Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 – View Map
Picking an auto insurance agent is decision based upon more than just a cheap price quote. These are some questions your agent should answer.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is coverage determined by price?
- Will you get a loaner vehicle if you car is being repaired?
- Are claim adjusters local or do you have to take your car somewhere else?
- Are there any discounts for paying up front?
- Does the agency have a positive business rating?
Upon getting acceptable answers to your questions as well as a price you’re happy with, you’ve probably found an insurance agency that will adequately provide auto insurance. Just be aware that you have the power to cancel your coverage when you choose so don’t feel you’re contractually obligated to a policy indefinitely.