Find Affordable Toyota Prius Insurance in Long Beach

Insurance for Toyota PriusThe recommended way to get affordable Toyota Prius insurance in Long Beach is to make a habit of regularly comparing prices from insurance carriers in California.

A key point to remember is to use the same deductibles and limits on every price quote and to quote with as many car insurance companies as possible. This enables the most accurate price comparison and and a good selection of different prices.

It goes without saying that insurance companies don’t want their customers to go rate shopping. Drivers who shop around for cheaper prices will probably buy a new policy because they stand a good chance of finding a lower rate. A recent survey revealed that consumers who routinely shopped around saved as much as $860 a year compared to drivers who never shopped for cheaper rates.

If finding the cheapest price for car insurance is your objective, then knowing how to get free comparison quotes and analyze insurance premiums can help you succeed in finding affordable rates.

If you have insurance now, you stand a good chance to be able to get lower rates using the ideas covered in this article. Buying affordable auto insurance in Long Beach is actually not that difficult if you follow our advice. But California car owners do need to understand how the larger insurance companies calculate your policy premium and apply this information to your search.

When quoting insurance, remember that quoting more helps locate the best offered rates. Not every company does price estimates online, so it’s important to compare price estimates from the smaller companies as well.

The companies shown below are ready to provide comparison quotes in California. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.

Insurance coverage details

The rate information displayed below covers estimates of coverage prices for Toyota Prius models. Learning a little about how rates are established can be useful when making decisions on which insurance to purchase.

Toyota Prius Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $330 $570 $354 $20 $106 $1,380 $115
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific garaging location which can modify premium rates significantly.

Cost difference between full coverage and liability

The chart below shows the difference between Toyota Prius insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are factored in.

When to drop full coverage

There is no definitive guideline of when to phase out full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Toyota Prius claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If you are paying more than $700 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Get cheaper Toyota Prius insurance rates in Long Beach

Some companies don’t always publicize all available discounts in a way that’s easy to find, so we break down some of the best known and the more hidden discounts that you may qualify for.Save money with discounts

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But any discount should help reduce your overall bill.

The illustration below illustrates the difference between Toyota Prius insurance costs with and without discounts applied to the premium. The data assumes a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, multi-car, homeowner, and claim-free discounts applied.

Car insurance companies that may offer quotes with some of the discounts shown above include:

When quoting, ask each insurance company which discounts you may be entitled to. Some discounts listed above may not be available in your area.

Why you need insurance for your Toyota vehicle

Despite the high cost of buying insurance for a Toyota Prius in Long Beach, insuring your vehicle is required for several reasons.

The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. On average, a vehicle owner in Long Beach is currently overpaying as much as $750 every year so it’s very important to do a rate comparison at every renewal to save money.

Car insurance company ratings

Buying coverage from a highly-rated company is hard considering how many companies sell coverage in California. The information below may help you analyze which providers to look at comparing prices from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Shop online but buy locally

A lot of people would rather sit down with an agent and that is a smart decision A good thing about price shopping on the web is that you can find cheap car insurance quotes but still work with a licensed agent.

Long Beach insurance agentsAfter filling out this simple form, your information is instantly submitted to participating agents in Long Beach who will gladly provide quotes for your coverage. You won’t even need to leave your computer since rate quotes are delivered to you directly. You can find better rates without the usual hassles of price shopping. If you have a need to get a rate quote from a particular provider, don’t hesitate to navigate to their website and give them your coverage information.

Selecting an insurer should depend on more than just the bottom line cost. Before buying a policy in Long Beach, get answers to these questions.

When finding a local Long Beach insurance agent, there are two different types of agencies and how they can quote your rates. Agencies in Long Beach can either be independent agents or exclusive agents depending on their employer.

Exclusive Car Insurance Agents

These agents work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to give you multiple price quotes so you might not find the best rates. Exclusive agencies are very knowledgeable on their company’s products which can be an advantage.

Listed below are exclusive agencies in Long Beach willing to provide price quote information.

6272 Pacific Coast Hwy Ste CLong Beach, CA 90803(562) 439-8544View Map

1777 N Bellflower Blvd #111Long Beach, CA 90815(562) 494-7700View Map

6390 E Willow StLong Beach, CA 90815(562) 795-0488View Map

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Independent Agencies or Brokers

Agents that choose to be independent can sell policies from many different companies so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. If premiums increase, they can switch companies in-house and you can keep the same agent. When comparison shopping, we recommend you compare quotes from independent agents to get the best comparison.

Below is a short list of independent agents in Long Beach that are able to give price quotes.

1165 E San Antonio DrLong Beach, CA 90807(310) 874-3933View Map

4401 Atlantic Ave #214Long Beach, CA 90807(562) 548-7488View Map

2316 E 7th StLong Beach, CA 90804(562) 439-0244View Map

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