The recommended way to get cheaper Chevy Cobalt insurance is to compare quotes annually from different companies in Long Beach.
Step 1: Try to understand how companies set rates and the measures you can take to keep rates in check. Many rating factors that drive up the price like traffic violations, accidents, and a less-than-favorable credit score can be eliminated by paying attention to minor details.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates from many different companies. View insurance agents
Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
One thing to point out is to try to use the same coverage limits and deductibles on every quote request and and to get price estimates from as many different insurance providers as possible. This enables an apples-to-apples comparison and a thorough selection of prices.
It’s a known fact that car insurance companies want to prevent you from shopping around. Drivers who compare price quotes are highly likely to switch to a new company because there are good odds of finding a policy with more affordable rates. A recent survey revealed that consumers who shopped around every year saved over $850 each year compared to drivers who never compared prices.
If finding the cheapest price for car insurance is your objective, knowing the best ways to find and compare coverage rates can save time and make the process easier.
Car insurance providers offering affordable prices in California
The providers in the list below can provide free rate quotes in California. In order to find cheap auto insurance in Long Beach, CA, we recommend you get prices from several of them to get the best price comparison.
Auto insurance statistics and figures
The price information displayed next highlights detailed analysis of insurance prices for Chevy Cobalt models. Having a good grasp of how rates are determined can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $208 | $536 | $524 | $32 | $156 | $1,456 | $121 |
| Cobalt XFE 4-Dr Sedan | $208 | $536 | $524 | $32 | $156 | $1,456 | $121 |
| Cobalt LS 2-Dr Coupe | $238 | $536 | $580 | $34 | $174 | $1,562 | $130 |
| Cobalt XFE 2-Dr Coupe | $238 | $536 | $580 | $34 | $174 | $1,562 | $130 |
| Cobalt LT 4-Dr Sedan | $238 | $536 | $524 | $32 | $156 | $1,486 | $124 |
| Cobalt LT 2-Dr Coupe | $270 | $536 | $580 | $34 | $174 | $1,594 | $133 |
| Cobalt SS Turbo 2-Dr Coupe | $300 | $698 | $580 | $34 | $174 | $1,786 | $149 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can influence premiums noticeably.
The illustration below highlights how deductible choice and can raise or lower Chevy Cobalt insurance costs for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The information below illustrates the comparison of Chevy Cobalt insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in California. The costs are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no policy discounts are applied.
When to drop full coverage
There is no definitive rule for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s pretend your Chevy Cobalt settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If it’s costing in excess of $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Long Beach insurance discounts for a Chevy Cobalt
The price of auto insurance can be rather high, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but some need to be manually applied before you will receive the discount.
- Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings as much as 30%.
- Discounts for New Vehicles – Buying a new car instead of a used Cobalt can save up to 30% due to better safety requirements for new model year vehicles.
- Distant College Student Discount – College-age children who are attending college and don’t have a car could get you a discount.
- Senior Citizens – Seniors may receive lower premium rates.
- Home Ownership Discount – Just owning your own home can help you save on auto insurance since owning and maintaining a home is proof that your finances are in order.
- Drivers Ed for Students – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
- Professional Memberships – Participating in a qualifying organization can get you a small discount on your policy.
- Telematics Data – Insureds who allow their company to study where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
- E-sign – A handful of companies will discount your bill up to fifty bucks for buying your policy over the internet.
Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will definitely reduce your auto insurance premiums.
The information below shows the comparison of Chevy Cobalt yearly insurance costs with and without discounts. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, multi-car, marriage, and safe-driver discounts applied.
To view insurance companies who offer discounts in California, click here.
What insurance coverages do I need?
When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.
Here are some questions about coverages that might point out whether you could use an agent’s help.
- Do I need replacement cost coverage on my Chevy Cobalt?
- Is my nanny covered when driving my vehicle?
- Are rock chip repairs covered?
- What is GAP insurance?
- When should I not file a claim?
- What if I owe more than I can insure my car for?
- What does medical payments cover?
- How do I insure my teen driver?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.
Local Long Beach auto insurance agents and insurance
Some consumers just prefer to sit down with an agent and doing that can be a smart decision The biggest benefit of price shopping on the web is that you can obtain cheaper prices and still choose a local agent. And providing support for local insurance agencies is still important in Long Beach.
To find an agent, once you fill out this simple form, your information is submitted to companies in Long Beach who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies as quotes are delivered to you. You can find the lowest rates AND an agent nearby. In the event you want to get a price quote from a particular provider, feel free to search and find their rate quote page and submit a quote form there.
Pick the best car insurance agent in Long Beach for you
If you’re trying to find a reputable insurance agent or broker, you need to know there are two different types of agents to choose from. Agencies in Long Beach are categorized either exclusive or independent.
Independent Insurance Agencies or Brokers
Independent agents do not write with just one company and that enables them to quote your coverage with an assortment of companies and find the cheapest insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company and the insured can keep the same agent. If you need lower rates, it’s recommended you check rates from a couple of independent agencies in order to compare the most rates. Most also have access to mutual insurance companies that can offer cheaper rates than bigger companies.
Below is a partial list of independent insurance agencies in Long Beach that may be able to give price quote information.
- Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map - Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
Exclusive Agents
Exclusive agencies can only provide pricing for a single company such as State Farm, Allstate, or Farmers Insurance. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates. Drivers often buy from the same agent for years partially due to the brand rather than low rates.
Listed below are Long Beach exclusive insurance agents that can give you rate quotes.
- State Farm Insurance: Damian Useda
929 E Wardlow Rd – Long Beach, CA 90807 – (562) 426-8565 – View Map - Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map - April Showers – State Farm Insurance Agent
537 W Willow St – Long Beach, CA 90806 – (562) 612-4949 – View Map
Picking the best car insurance agent requires you to look at more than just the bottom line cost. Ask your prospective agent these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which family members are covered?
- Is assistance available after office hours?
- Does the agent help file claims?
- How long has their agency been in business in Long Beach?
- What kind of financial rating does the company have?
- How often do they review coverages?
- What insurance companies do they work with in Long Beach?
Lower rates by being persistent
Budget-conscious Chevy Cobalt insurance can be sourced online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not provide rates over the internet and these regional carriers sell through independent agents.
You just learned a lot of ways to compare Chevy Cobalt insurance premium rates in Long Beach. The key thing to remember is the more price quotes you have, the higher your chance of finding inexpensive Long Beach auto insurance quotes. Consumers could even find that the best premium rates are with the least-expected company.
As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits only to find out that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
More tips and info about auto insurance is located in the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)