The words “low-priced” and “auto insurance” really shouldn’t be used in the same sentence, in particular when trying to find the best insurance rates for 4×4 vehicles. Let’s lead off by showing you a few of the things that influence car insurance prices, and find out if you can lower the cost of your next policy.
For off-road vehicles, one of the more important components that help determine the price you pay for insurance is where you choose to live in Long Beach. Cities with larger populations or higher claim trends likely pay more, whereas areas with less congestion benefit from lower rates.
The next table shows the priciest cities in California for 4×4 vehicles to purchase auto insurance in. Long Beach is ranked at #6 with an annual cost of $1,626 for the average insured, which is about $136 per month.
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Table data uses estimated as the specific geographic location can lower or raise price quotes substantially.
Deciding which insurers offer the most affordable insurance rates for 4×4 vehicles may require more time than just quoting one company’s rates. Every car insurance company used slightly different criteria for setting prices, so we need to take a look at the overall cheapest insurance companies in Long Beach, CA.
Best Insurance Companies for 4×4’s
|Rank||Company||Cost Per Year|
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USAA may offer some of the best car insurance rates in Long Beach at around $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the most economical Long Beach, CA car insurance companies.
In this example, if you are currently insured with Nationwide and switched to USAA, you could realize an annual savings of in the vicinity of $70. Policyholders with CSAA might save as much as $79 a year, and 21st Century policyholders might lower prices by up to $223 a year.
Remember that these rates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for 4×4 vehicles. So the insurer that has the cheapest price for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
The vehicle driven is one of the largest considerations that determines whether or not you find the best cheap insurance for 4×4 vehicles. Vehicles with high performance features, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models.
The data below presents insurance rates for a selection of the most economical vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,325|
|Dodge Grand Caravan SE||$1,357|
|Honda CR-V EX-L 2WD||$1,367|
|Honda Accord LX 4-Dr Sedan||$1,369|
|Ford Edge SEL 2WD||$1,406|
|Chevrolet Equinox LT AWD||$1,434|
|Toyota RAV4 Limited 2WD||$1,440|
|Ford Escape Limited 4WD||$1,444|
|Ford Explorer Limited AWD||$1,461|
|Ford F-150 Lariat Crew Cab 4WD||$1,471|
|Honda Civic EX 4-Dr Sedan||$1,483|
|Hyundai Sonata GLS 4-Dr Sedan||$1,538|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,600|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,610|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in zip code location which can change premium rates substantially.
Based upon the table data, you can expect cars like the Hyundai Elantra, Dodge Grand Caravan, and Honda CR-V are most likely going to be a few of the most budget-friendly vehicles to insure for off-road vehicles.
How to get discounts on Long Beach auto insurance
Insurance providers that sell policies for 4×4 vehicles may provide rate discounts that could potentially reduce rates by as much as 40% or more if you meet specific eligibility requirements. A few of the larger companies and some of the premium reductions they offer include:
- State Farm offers discounts for good student, accident-free, passive restraint, driver’s education, Drive Safe & Save, and safe vehicle.
- GEICO includes discounts for military active duty, defensive driver, multi-vehicle, anti-lock brakes, seat belt use, and multi-policy.
- Allstate has discounts for senior citizen, safe driver, farm vehicle, eSmart discount, FullPay discount, and premier plus.
- SAFECO offers discounts including accident prevention training, bundle discounts, anti-theft, drive less, homeowner, teen safe driver, and teen safety rewards.
- Farm Bureau may have discounts that include 55 and retired, good student, renewal discount, multi-policy, multi-vehicle, and safe driver.
- Progressive may include discounts for homeowner, online quote discount, online signing, multi-vehicle, and good student.
- AAA may offer discounts for anti-theft, education and occupation, multi-policy, AAA membership discount, good driver, multi-car, and pay-in-full.
The example below illustrates the difference between car insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, marriage, vehicle safety, claim-free, multiple vehicle, and homeowner discounts applied. When discounts are applied, theamount saved on insurance for 4×4 vehicles is 28% or $661.
Full coverage versus liability only rates
Reducing the cost of insurance is the goal of most people, and one of the best ways to find cheaper insurance for 4×4 vehicles is to buy liability only. The illustration below compares insurance premiums with full physical damage coverage and with liability coverage only. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
If averaged out across all ages, physical damage coverage on your policy costs $1,849 per year over and above liability only. Lot’s of drivers question if buying full coverage is a waste of money. There is no definitive formula to delete comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
There are some situations where dropping full coverage is not advised. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Picking the top company can be challenging considering how many choices there are in Long Beach. The ranking information shown next can help you decide which companies you want to consider purchasing from.
The ratings below are only comprised of companies with a national presence, so companies that have a smaller presence are not taken into consideration for this list. If you wish to compare prices from these and other companies in California, follow this link.
Top 10 Major Auto Insurers Overall in Long Beach
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Why are you paying too much for Long Beach car insurance?
Long Beach, CA insurance rates are calculated based on many things which can substantially change your annual premium. Improving your credit rating, buying higher coverage limits, or getting a couple of tickets can trigger changes in premium that can cause some rates to be more affordable than others. In addition to those changes, car insurance companies change the rates they charge in California as needed to ensure their profitability. Higher than usual claims may result in price increases, while a better claims history can result in cheaper Long Beach car insurance rates.
To help illustrate this point, the chart below shows which company has the cheapest car insurance in Long Beach, CA for a 35-year-old female driver with no violations or accidents, and good credit. If we look at prices based on her current risk profile, USAA quotes the lowest car insurance rates in Long Beach at $1,376 annually. This is $275 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the cheapest Long Beach, CA auto insurance companies.
Now we will give the driver from above a chargeable accident, a lower credit score, and a stop sign violation. Since each auto insurer has a unique formula to set their prices, getting updated rate quotes may result in a slightly different list of companies as shown below.
Grange now has the cheapest insurance rate in Long Beach with Progressive, GEICO, Allied, and Allstate also having competitive pricing. This demonstrates why California drivers need to perform a complete rate comparison when trying to get the most budget-friendly insurance rates for 4×4 vehicles.
Car insurance prices consist of many things and can increase or decrease at any time, so the best company the last time you shopped around may now be quite expensive.
The agents below can probably help you decide which coverages you need, as many consumers aren’t sure which coverage to buy and prefer to get help from a professional when trying to find the best insurance rates for 4×4 vehicles. It’s not always simple to find coverage yourself, so agents can provide comfort knowing you have sufficient protection if you have a claim. To find a Long Beach insurance agency near you, click the button following the list.
Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181
Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779
Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488
Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444
Farmers Insurance – David Van Wyk
1959 E Spring St – Long Beach, CA 90806 – (949) 770-1708