Who Has Cheap Auto Insurance for Veterans in Long Beach?

For veterans, one of the largest things that determine the price you pay for insurance is where you live. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with less congestion have the luxury of cheap car insurance rates.

The table below rates the highest-priced areas in California for veterans in which to buy car insurance. Long Beach comes in at #7 with the annual price of $1,626 for the average insurance policy, which is approximately $136 monthly.

Car insurance prices in Long Beach
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,142
3 Oakland $1,755
4 San Francisco $1,711
5 Sacramento $1,669
6 San Bernardino $1,628
7 Long Beach $1,626
8 Fontana $1,581
9 Santa Clarita $1,580
10 Garden Grove $1,570
11 Moreno Valley $1,551
12 Riverside $1,542
13 Stockton $1,541
14 Modesto $1,532
15 Fresno $1,517
16 Santa Ana $1,483
17 Anaheim $1,430
18 Huntington Beach $1,402
19 Bakersfield $1,394
20 San Jose $1,381
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Premium amounts are estimated as the garaging address in Long Beach can alter premiums greatly.

Finding good, low-priced insurance is not most people’s favorite thing to do, and figuring out which insurers offer the lowest-priced auto insurance rates for veterans will take a little more work.

Each company has a unique approach to determine premium rates, so first let’s look at the rankings for the most competitive auto insurance companies in Long Beach. It’s important to understand that Long Beach, CA auto insurance rates are influenced by many factors which can substantially change the price you pay. This price fluctuation is why drivers need to compare lots of rates when trying to get the cheapest car insurance rates for veterans. Insurance prices are made up of many things and change substantially, so the cheapest option two years ago may now cost much more than other companies.

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USAA quotes some of the best car insurance rates in Long Beach at around $1,121 annually. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the best Long Beach, CA insurance companies.

As shown in the rates above, if you currently have a policy with Century National and switched to USAA, you could realize annual savings of about $57. California drivers with Wawanesa could save as much as $71 a year, and CSAA customers might lower prices by $113 a year.

To compare your rates to other California insurance companies, click here to start a quote or visit several of the following companies.

These premium estimates are averages for all drivers and vehicles and do not take into consideration an exact zip code location for veterans. So the company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own individual information.

How accidents and tickets impact rates

The common sense way to enjoy low auto insurance premiums in California for veterans is to drive carefully and not receive tickets or have accidents. The diagram below demonstrates how speeding tickets and fender-benders can increase insurance costs for different ages of insureds. The costs are based on a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.

The data above shows the average cost of a car insurance policy in Long Beach per year with no accidents and a clean driving record is $2,421. Get two speeding tickets and the average cost surges to $3,450, an increase of $1,029 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for veterans increases to an average of $7,218. That’s an increase of $4,797, or $400 per month, just for being a less-than-perfect driver!

Full coverage rates vs. liability-only

Paying a lower price for auto insurance is important to the majority of people, and one way to buy cheaper insurance for veterans is to only buy liability insurance. The diagram below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The rate quotes are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

If we average the cost for all age groups, physical damage insurance costs an extra $2,075 per year more than insuring for liability only. That is a significant amount which raises the question if you should buy full coverage. There is no clear-cut rule of when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Ending up with a highly-rated insurance company can be challenging considering how many companies provide coverage in Long Beach. The information listed below could help you select which auto insurance companies to look at when shopping insurance around for veterans.

The ratings below only include large nationwide companies, so smaller regional companies are not taken into consideration for these rankings. If you wish to compare prices from these and other competitive companies, simply click here.

Top 10 Large Auto Insurers in Long Beach Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

How to find low-cost car insurance for veterans

It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help you buy more affordable auto insurance.

The last idea is certainly crucial, as was noted in this write-up. Insurance rates adjust frequently, so don’t be unwilling to change insurance companies if a lower-cost policy is available. Having a favorite company is great, but it isn’t a good idea if that loyalty ends up costing thousands of dollars over several years. Take a few minutes and compare rates and find cheaper insurance for veterans in Long Beach.

The insurance agencies below can most likely provide answers to your questions and help you determine which coverage meets your needs best, since some people have coverage questions and would like to get help from a professional when shopping for cheaper insurance for veterans. It’s not always easy to find the best policy on your own, so professional agents can give you peace of mind knowing your coverage gives you sufficient coverage for your assets. To find an agent in your neighborhood, click the link after the list.

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