One of the more important components that are used to help calculate auto insurance rates is where you choose to live. Cities with larger populations are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The next table lists the highest-priced places in California for single moms to purchase car insurance in. Long Beach comes in at #6 with an annual cost of $1,626 for the average insurance policy, which is about $136 per month.
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Rate quotes are comparative as the specific garaging location can affect coverage rates significantly.
Shopping around for reasonably-priced car insurance is not always easy, and deciding which companies quote the cheapest insurance rates for single moms calls for additional perseverance. Each auto insurance company has their own unique process for establishing rates, so we’ll go over the most budget-friendly insurance companies in Long Beach.
It’s important that readers know that Long Beach, CA insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Taking a driver safety course, adding a teenager to your policy, or getting a speeding ticket can trigger rate changes that may make certain companies more affordable than before.
Best Cheap Insurance Rates for Single Moms
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USAA quotes some of the cheapest car insurance rates in Long Beach at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the lowest-priced Long Beach, CA insurance companies.
As the example above demonstrates, if you are currently insured with Century National and switched to USAA, you could realize a yearly savings of in the neighborhood of $35. Drivers with CSAA may save as much as $79 a year, and Nationwide insureds might lower prices by $83 a year.
To see if your current coverage is too expensive, click here to get quotes or click several companies below for low rates.
Remember that these estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for single moms. So the auto insurance company that is best suited for you may not even be in the list above. That points out the importance of why you need to get quotes using your own personal information and vehicle type.
Full coverage rates vs. liability-only
Reducing the cost of insurance is the goal of most people, and an easy way to find cheap insurance for single moms is to only buy liability insurance. The diagram below illustrates the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
As an average for all age groups, comprehensive and collision coverage on your policy costs $1,849 per year more than carrying just liability coverage. Lot’s of drivers question if buying full coverage is worth the money. There is no definitive formula that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
The chart below shows how different deductible levels can impact insurance premiums when researching cheap insurance for single moms. The premiums are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could cut expenses by $476 a year by increasing from a $100 deductible up to a $500 deductible, or save $718 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could possibly save up to $1,434 or even more by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough savings set aside to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find cheaper car insurance for single moms
The list below shows some of the recommended penny-pinching suggestions that can help you get cheap coverage.
- Better credit scores save money
- Get cheaper liability coverage by choosing a safer vehicle
- Save money by insuring older vehicles for liability only
- Avoid accidents
- Do not get tickets or violations
- Raise your deductibles
- Compare quotes from other companies often
The final tip is incredibly vital, as we discussed in this write-up. Car insurance rates change frequently, so drivers shouldn’t be resistant to switch carriers if a lower-cost policy is available. Sticking with a specific company is fine, but is isn’t recommended if that stubbornness costs you major coinage every year. It only take a few minutes to shop around to find cheaper auto insurance for single moms in Long Beach.
The insurance agents in Long Beach listed below are a good start to help you make a decision which car insurance company is the best fit, as some people have coverage questions and would like to get help from a professional when trying to find lower insurance rates for single parents. It can be complicated to do it yourself, and a licensed agent can provide you comfort knowing your coverage gives you adequate protection in the event of a claim. To find an auto insurance agency close to you, click the link after the list or click here to get price quotes now.
State Farm Insurance: Damian Useda
929 E Wardlow Rd – Long Beach, CA 90807 – (562) 426-8565
Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488
Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813