You have seen the ads from companies like Progressive, GEICO, and Liberty Mutual that guarantee huge savings, so drivers should just pick the one with the catchiest commercial, right?
It’s just not that easy, however, as there are a whole bunch of unknowns like the safety features built into your vehicle, if you have maintained coverage continuously, the miles you drive each year, and your gender, that all impact the price you pay. Car insurance is kind of a dry topic, but this article will explain the best ways to avoid overpriced car insurance and will give you a jump start in finding the best auto insurance in Long Beach.
The make and model of vehicle to be insured is probably the largest consideration that determines whether or not you find cheaper car insurance for handicapped drivers. Vehicles with high performance engines, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The table below ranks coverage rates for a selection of the most budget-friendly vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,138 |
| Ford Edge SEL 2WD | $1,324 |
| Honda Odyssey EX | $1,332 |
| Toyota RAV4 Limited 4WD | $1,350 |
| Jeep Grand Cherokee Laredo 2WD | $1,358 |
| Ford Explorer Eddie Bauer 4WD | $1,374 |
| Honda Accord EX-L 4-Dr Sedan | $1,391 |
| Ford Escape Limited 4WD | $1,398 |
| Dodge Grand Caravan CV | $1,396 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,422 |
| Toyota Prius | $1,427 |
| Honda Civic Hybrid 4-Dr Sedan | $1,446 |
| Chevrolet Malibu LTZ | $1,456 |
| Toyota Tacoma 4WD | $1,449 |
| Chevrolet Impala LT | $1,475 |
| Ford Focus SE 4-Dr Sedan | $1,487 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,492 |
| GMC Sierra SL Extended Cab 2WD | $1,521 |
| Toyota Camry Hybrid | $1,545 |
| Toyota Camry XLE | $1,557 |
| Compare Rates Now Go | |
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in vehicle location which can decrease or increase premium rates substantially.
Based upon the table data, you can assume that models like the Honda CR-V, Ford Edge, and Honda Odyssey are going to be a few of the more affordable vehicles to insure for drivers with handicaps.
Buying cheap insurance is not the easiest thing to accomplish, and deciding which insurers offer the best car insurance rates for handicapped drivers calls for a bit more work. Every insurance provider has a different formula for setting prices, so let’s take a look at the lowest cost car insurance companies in Long Beach, CA.
Best Auto Insurance Prices in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,186 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,548 |
| 11 | Progressive | $1,558 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| View More Rates Go | ||
USAA generally has some of the best car insurance rates in Long Beach at around $1,121 a year. Wawanesa, CSAA, Nationwide, and Century National also make the cut as some of the cheapest Long Beach, CA car insurance companies.
In the rate table above, if you currently buy coverage from Century National and switched to Wawanesa, you could realize savings of roughly $80. Drivers with 21st Century might save as much as $220 a year, and Grange customers might reduce rates by $301 a year.
Understand that those premiums are averaged across all drivers and vehicles and are not factoring in a specific zip code for handicapped drivers. So the insurer that has the cheapest price for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own individual information.
For drivers with handicaps, one of the more important considerations that help determine insurance cost is where you normally keep your vehicle in Long Beach. Areas with increased crime or more people tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The illustration below sorts the highest-priced areas in California for handicapped drivers to buy car insurance in. Long Beach comes in at #8 having an annual price of $1,562 on average, which is about $130 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Garden Grove | $1,570 |
| 8 | Long Beach | $1,562 |
| 9 | Stockton | $1,556 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Riverside | $1,497 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,457 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | San Diego | $1,381 |
| 21 | Huntington Beach | $1,360 |
| 22 | Bakersfield | $1,353 |
| 23 | Chula Vista | $1,350 |
| 24 | Irvine | $1,330 |
| 25 | Oxnard | $1,304 |
| Find Cheaper Insurance Go | ||
Information shown are estimated as specific location information can impact insurance rates substantially.
Tickets and at-fault accidents raise rates
The easiest way to find low car insurance prices for drivers with handicaps is to drive carefully and avoid accidents and traffic citations. The chart below illustrates how speeding tickets and at-fault claims can influence insurance costs for different age categories. The costs are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of a car insurance policy in Long Beach per year with no violations or accidents is $1,978. Receive one speeding ticket and the average cost swells to $2,243, an increase of $265 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance for handicapped drivers goes up to an average of $2,978. That’s an increase of $1,000, or $83 per month, just for being a less-than-perfect driver!
Discount Long Beach auto insurance
Auto insurance companies that offer quotes for handicapped drivers may have premium discounts that could reduce prices by as much as 25% or more if you qualify. Popular car insurance companies and some of the discounts are detailed below.
- Farmers Insurance policyholders can earn discounts including homeowner, early shopping, teen driver, electronic funds transfer, and mature driver.
- State Farm may offer discounts for Drive Safe & Save, anti-theft, accident-free, good driver, multiple policy, and defensive driving training.
- Liberty Mutual may include discounts for teen driver discount, safety features, multi-policy, preferred payment discount, new move discount, and newly married.
- MetLife discounts include accident-free, claim-free, multi-policy, good student, defensive driver, and good driver.
- Progressive has discounts for multi-policy, homeowner, online quote discount, continuous coverage, multi-vehicle, and good student.
The example below compares annual premium costs with and without discounts applied. The prices are based on a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, passive restraint, claim-free, homeowner, anti-theft, and marriage discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for handicapped drivers is 28% or $703.
Ideas for buying the cheapest car insurance for handicapped drivers
It is possible to find better rates, and here are some of the recommended thrifty solutions that can help you buy more affordable coverage.
- Avoid getting citations and tickets
- Staying accident-free helps keep rates low
- Having too many claims will increase rates substantially
- Drop full coverage on older vehicles
- Increase the comprehensive and collision deductibles on your policy
- Shop around for cheaper rates regularly
The last tip in the list is highly important, as was noted in this piece. Insurance rates can change in a short period of time, so don’t be hesitant to change to a new company if you can save money. Brand loyalty is great, but it’s not a great idea if that dedication is costing money that could be spent on other things. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for handicapped drivers in Long Beach.
The auto insurance agents in Long Beach shown below can provide answers to your questions and help you determine which coverage meets your needs best, since some drivers wish to get some help when comparing insurance rates for drivers with handicaps. It can be hard to do it yourself, so agents can bring peace of mind knowing you have enough coverage if you have a claim.
To find an auto insurance agency using an interactive map, click the button after the list.
- Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 - Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 - Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338