If price shopping Long Beach auto insurance quotes online is new to you, by this point your are probably baffled due to the large number of online companies vying for business in Long Beach.
Sad but true, nearly 70% of consumers kept their policy with the same company for more than four years, and 38% of customers have never even shopped around for cheaper coverage. Consumers in California could pocket nearly 35% a year just by getting comparison quotes, but they don’t believe the large savings they would see if they swap their current policy for a cheaper one.
Buying the cheapest car insurance in Long Beach can be made easier if you know where to look. Practically anyone who has to purchase car insurance will probably be able to reduce their rates. But California consumers need to learn how the larger insurance companies market on the web because rates fluctuate considerably.
There are several ways to obtain and compare prices from companies that offer car insurance in California. The quickest method to compare Chevy Volt insurance prices is to use the internet to compare rates. When comparing car insurance rates, know that quoting more will enable you to find a lower rate.
The following companies have been selected to offer price comparisons in Long Beach, CA. If multiple companies are listed, we recommend you click on several of them in order to find the lowest rates.
Car insurance is an important decision
Even though it’s not necessarily cheap to insure a Chevy in Long Beach, insuring your vehicle is required in California but it also protects you in many ways.
- Almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Chevy, almost every bank will force you to have physical damage coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may insure your Chevy at an extremely high rate and force you to pay for the much more expensive policy.
- Car insurance preserves your Chevy and your assets. It will also provide coverage for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If you have damage to your Chevy as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance outweigh the cost, especially when you need to use it. Unknowingly, the average driver is wasting up to $830 a year so you should quote rates at least once a year to make sure the price is not too high.
Educate yourself about insurance coverages
Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Volt.
Because many people only carry the minimum required liability limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like chiropractic care, doctor visits, funeral costs, pain medications and surgery. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto liability insurance
This provides protection from damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability coverage pays for things like legal defense fees, medical services and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.
The illustration below demonstrates why buying minimum limits may not be adequate coverage.
This coverage covers damage to your Volt resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims like crashing into a building, scraping a guard rail, rolling your car, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible on your Volt in order to get cheaper collision rates.
Auto insurance company ratings
Selecting a high-quality auto insurance company is hard considering how many companies sell coverage in California. The information in the lists below can help you choose which car insurance providers you want to consider shopping your coverage with.
Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Long Beach Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Lower rates by being persistent
As you quote Long Beach auto insurance, you should never reduce coverage to reduce premium. In too many instances, someone dropped collision coverage and learned later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.
We covered a lot of information how to get a better price on Chevy Volt insurance in Long Beach. The key thing to remember is the more you quote Long Beach auto insurance, the higher your chance of finding cheaper Long Beach auto insurance quotes. You may even find the best price on car insurance is with some of the lesser-known companies.
Insureds switch companies for many reasons like questionable increases in premium, being labeled a high risk driver, poor customer service and policy cancellation. Regardless of your reason, finding a new company can be pretty painless.
How to find the cheapest rates for Chevy Volt insurance in Long Beach
To save the most money, the best way to get the cheapest car insurance rates is to compare prices once a year from insurance carriers in Long Beach.
- First, get a basic knowledge of policy coverages and the things you can control to prevent rate increases. Many rating factors that increase rates such as accidents, careless driving, and an imperfect credit score can be improved by being financially responsible and driving safely.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide prices for a wide range of insurance providers.
- Third, compare the quotes to the premium of your current policy and determine if there is any savings. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, tell your current company of your intention to cancel your current coverage. Submit the completed application along with a down payment to the new company. Once coverage is bound, keep your new certificate verifying coverage in a readily accessible location in your vehicle.
An important note is to make sure you enter similar coverage information on every quote request and and to look at as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and a better comparison of the market.
For more information, take a look at the resources below:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Auto Insurance Quotes for Welfare Recipients in Long Beach? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Rates for a Ford Explorer? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- Speed and Speed Limit FAQ (iihs.org)