Unthinkable but true, a large majority of consumers have stayed with the same insurance company for a minimum of four years, and just under half have never quoted rates to find cheaper coverage. American consumers could cut their rates by up to $850 a year just by comparing rates, but most undervalue the benefits if they bought a different policy.
The preferred way to get budget Buick Rainier insurance is to annually compare prices from different companies that insure vehicles in Long Beach. Rates can be compared by following these steps.
- Spend a few minutes and learn about how insurance companies determine prices and the factors you can control to prevent rate increases. Many things that drive up the price like traffic citations and a low credit score can be amended by improving your driving habits or financial responsibility. This article provides additional tips to find cheap rates and find hidden discounts.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agents can quote prices for many different companies. View prices
- Compare the new rate quotes to your current policy to see if a cheaper price is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company to cancel your existing policy. Submit the required down payment along with the signed application to your new company or agent. Immediately upon receiving it, keep your new certificate verifying coverage along with the vehicle’s registration papers.
One important bit of advice is that you’ll want to make sure you compare similar coverage information on each quote request and and to look at every insurance company. Doing this helps ensure an apples-to-apples comparison and a complete price analysis.
Finding and buying cheaper auto insurance in Long Beach is not as confusing as people think. Virtually every vehicle owner who needs lower cost auto insurance will probably find better rates. But California vehicle owners must know the methods companies use to charge you for coverage and use this information to your advantage.
Companies offering competitive Buick Rainier rate quotes in Long Beach, CA
The companies in the list below provide quotes in California. If your goal is to find the best cheap car insurance in CA, we recommend you visit as many as you can to get the lowest price.
Insurance discounts are available for cheaper rates
Some insurance providers don’t always publicize all their discounts in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find ways to save on insurance.
- Driving Data Discount – Policyholders that allow their company to analyze when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off PIP or medical payments premium.
- Federal Government Employee – Federal government employees can save as much as 8% but check with your company.
- Multiple Cars – Drivers who insure more than one vehicle on the same insurance policy can get a discount on all vehicles.
- Policy Bundle Discount – When you have multiple policies with one company you may earn as much as 10 to 15 percent.
- Long Beach Homeowners Pay Less – Simply owning a home can save a few bucks because maintaining a house is proof of financial responsibility.
- Accident Waiver – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without raising rates if you have no claims prior to being involved in the accident.
- Claim Free – Insureds with no claims or accidents pay much less in comparison with frequent claim filers.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on Rainier insurance in Long Beach.
- Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
We need to note that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
Auto insurance companies who might offer these discounts may include but are not limited to:
When comparing rates, check with each company to give you their best rates. Some of the discounts discussed earlier may not be offered in Long Beach. If you would like to choose from a list of providers that offer the discounts shown above in Long Beach, click here.
Learn How to Lower Your Insurance Costs
One of the most helpful ways to save on car insurance is to to have a grasp of the factors that aid in calculating the price you pay for car insurance. When you understand what determines premiums, this enables you to make decisions that may reward you with lower premium levels. Many different elements are taken into consideration when pricing auto insurance. Some are obvious such as traffic violations, but other factors are not as apparent such as whether you are married or your commute time.
The items below are some of the most rate-impacting factors used by companies to determine rates.
Safety ratings are a factor – Safer cars are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Buick Rainier is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
Do you have a demanding occupation? – Did you know your car insurance rates can be affected by your occupation? Jobs such as real estate brokers, executives, and dentists tend to have higher premium rates attributed to intense work requirements and lots of time spent at work. Conversely, jobs such as actors, historians and retirees pay lower than average rates.
Where you call home can impact premiums – Being located in smaller towns and rural areas of the country has definite advantages when it comes to car insurance. Less people translates into fewer accident claims and a lower car theft rate. People who live in big cities have congested traffic and longer commutes to work. More time commuting translates into higher accident risk.
Is car insurance cheaper for males or females? – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the males cause more damage. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving.
Liability coverage preserves assets – The liability section of your policy will protect you when you are ruled to be at fault for personal injury or accident damage. It will provide for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Having a spouse can save on car insurance – Being married can get you a discount when buying car insurance. It means you’re more responsible and it’s statistically proven that drivers who are married are more cautious.
It’s not one size fits all
When selecting adequate coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Your financial needs are unique.
For instance, these questions could help you determine if you would benefit from professional advice.
- When can my company non-renew my policy?
- Am I covered if I hit my neighbor’s mailbox?
- Why do I need rental car insurance?
- What states are considered no-fault?
- I don’t drive much so do I pay less?
- Is my babysitter covered when using my vehicle?
- How much coverage applies to personal belongings?
- Is my cargo covered for damage or theft?
- What is GAP insurance?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Getting quotes from local Long Beach insurance agents
Many people prefer to sit down and talk to an agent and that is a smart decision An additional benefit of getting online price quotes is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is especially important in Long Beach.
By using this quick form, your insurance coverage information is instantly submitted to agents in your area that can provide free Long Beach auto insurance quotes for your insurance coverage. You won’t need to visit any agencies since rate quotes are delivered immediately to your email address. You can find lower rates and an insurance agent to talk to. If you need to get a comparison quote from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.
If you want to buy car insurance from a reputable agency, you must know there are a couple types of insurance agents and how they operate. Car insurance agents in Long Beach can be categorized as either exclusive agents or independent agents.
Independent Agencies or Brokers
These agents are appointed with more than one company so as a result can place your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply switch companies in-house which is easy for the insured.
When comparing car insurance rates, you definitely need to include at a minimum one independent agency to have the best price comparison. They often place coverage with companies that do not advertise much which can save you money.
Shown below are Long Beach independent insurance agencies that may be able to give you free car insurance rate quotes.
- Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map - Greg D. Pyle Auto, Home, Commercial Insurance Long Beach
3777 Long Beach Blvd #500 – Long Beach, CA 90802 – (562) 436-3200 – View Map - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
Exclusive Car Insurance Agents
Exclusive agents can only place business with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot shop your coverage around so always compare other rates. Exclusive agents are well trained in insurance sales which helps overcome the inability to quote other rates. Some consumers prefer to buy from the same agent for years mostly because of the brand legacy rather than low price.
Listed below is a short list of exclusive insurance agencies in Long Beach that are able to give rate quotes.
- Peter Kong – State Farm Insurance Agent
2020 E Anaheim St – Long Beach, CA 90804 – (562) 438-8188 – View Map - Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map - Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map
Finding the right insurance agent requires you to look at more than just the quoted price. Below are some questions you should ask.
- How often do they review policy coverages?
- How will an accident affect your rates?
- Which family members are covered?
- Are claims handled at the agent’s location?
- How experienced are they in personal risk management?
- Does the agency support the community they serve?
- Is working in the agency their full-time job?
- What is the financial rating for the quoted company?
After receiving good answers to any questions you have as well as offering an affordable quote, you’ve probably found an insurance agency that can be trusted to insure your vehicles. But remember, once you purchase a policy you can cancel your coverage whenever you wish so don’t assume that you’re stuck with any specific company with no way out.
A little work can save a LOT of money
When shopping online for car insurance, never reduce coverage to reduce premium. Too many times, consumers will sacrifice liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.
Affordable Buick Rainier insurance in Long Beach can be bought on the web in addition to many Long Beach insurance agents, so you need to shop Long Beach auto insurance with both to get a complete price analysis. Some car insurance companies may not offer online rate quotes and many times these small insurance companies work with independent agencies.
Insureds switch companies for many reasons like denial of a claim, high rates after DUI convictions, extreme rates for teen drivers and unfair underwriting practices. Whatever your reason, finding a new company can be less work than you think.
To learn more, take a look at these articles:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Used Cars in Long Beach? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Lyft Drivers in Long Beach? (FAQ)
- Who Has Affordable Long Beach Auto Insurance Rates for 18 Year Olds? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance Quotes for Uber Drivers? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Auto Insurance Basics (Insurance Information Institute)