It’s astonishing, but a large majority of drivers in California have bought auto insurance from the same company for at least the last four years, and nearly the majority have never compared quotes from other companies. U.S. drivers could save themselves about $859 a year, but they just don’t want to compare rate quotes.
It takes a little time, but the best way to get discount Ford Freestyle insurance is to start doing an annual price comparison from companies that insure vehicles in Long Beach.
- Try to comprehend individual coverages and the changes you can make to prevent expensive coverage. Many rating factors that cause rate increases such as traffic tickets, fender benders, and an unfavorable credit rating can be remedied by improving your driving habits or financial responsibility. Continue reading for tips to help keep rates affordable and find missing discounts.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices from many different companies.
- Compare the new rate quotes to the price on your current policy to see if cheaper Freestyle coverage is available. If you can save some money and make a switch, make sure there is no lapse in coverage.
- Notify your agent or company to cancel your current policy. Submit a completed policy application and payment to your new agent or company. Immediately place the new certificate verifying coverage in an easily accessible location in your vehicle.
One tip to remember is that you’ll want to make sure you compare identical coverages on every price quote and and to get rates from as many companies as feasibly possible. This guarantees a fair price comparison and a complete price analysis.
Slash rates with these discounts on Ford Freestyle insurance in Long Beach
Insurance is easily one of your largest bills, but companies offer discounts that you may not even know about. A few discounts will be applied when you purchase, but occasionally some discounts must be specially asked for before you get the savings.
- Accident Forgiveness Coverage – This one is not really a discount per se, but some insurance companies allow you one accident before they charge you more for coverage if you have no claims prior to the accident.
- Active Military Service – Being deployed in the military may qualify for rate reductions.
- Club Memberships – Joining a qualifying organization could earn you a nice discount on your policy.
- Online Discount – A few insurance companies give back up to $50 get Long Beach car insurance online.
- Data Collection Discounts – Drivers who elect to allow companies to look at when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
- Government Employees – Simply working for the federal government could qualify for a slight premium decrease with certain companies.
- Multiple Vehicles – Insuring all your vehicles on the same insurance policy could earn a price break for each car.
Discounts lower rates, but most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will help lower your insurance premiums.
Auto insurance companies that may include most of the discounts above are:
It’s a good idea to ask all the companies which discounts can lower your rates. Some credits may not apply in your area. To find insurance companies with the best discounts in Long Beach, click here to view.
It’s important to know that quoting more increases the chance that you will find better pricing.
The following companies can provide quotes in California. If your goal is to find the best cheap auto insurance in Long Beach, we suggest you visit as many as you can to get a more complete price comparison.
Local agents and auto insurance
A small number of people just want to get advice from a local agent and that can be a smart move One of the benefits of comparing auto insurance online is you can get the lowest rates and still buy from a local agent.
For easy comparison, once you complete this simple form, your insurance data is instantly submitted to participating agents in Long Beach who will give you quotes for your business. There is no reason to find an agent on your own due to the fact that quote results will go to you. You’ll get the best rates and a licensed agent to work with. In the event you want to quote rates from a specific insurance company, you can always go to their quote page and submit a quote form there.
Picking an provider shouldn’t rely on just the quoted price. A good agent in Long Beach will have answers to these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- What kind of financial rating does the company have?
- Will the company cover a rental car if your car is getting fixed?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Who is covered by the car insurance policy?
- Do they receive special compensation for putting your coverage with one company over another?
- What insurance company do they write the most business with?
If you are searching for a local Long Beach insurance agent, it’s helpful to know the different types of agencies and how they can service your needs differently. Long Beach agents can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Agents in the exclusive channel write business for a single company such as Farmers Insurance, State Farm, or Allstate. They generally cannot compare rates from other companies so always compare other rates. These agents are well schooled on what they offer which helps offset the inability to provide other markets. Some consumers prefer to buy from the same agent for years partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below are Long Beach exclusive insurance agencies who may provide you with price quotes.
- Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488 – View Map - Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 – View Map - Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
Independent Insurance Agents
Independent agents are appointed with more than one company and that enables them to quote your coverage through many companies and get you the best rates possible. If they find a lower price, the business is moved internally and you stay with the same agent. When comparing auto insurance rates, it’s a good idea to include price quotes from multiple independent agents for the best price selection. Many write coverage with companies that do not advertise much which can save you money.
Listed below is a short list of independent agencies in Long Beach who can help you get comparison quotes.
- Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map - Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map - Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
Best car insurance in Long Beach
Insuring your vehicle with a good quality insurance provider can be challenging considering how many companies there are in Long Beach. The company rank data shown below may help you analyze which car insurance providers you want to consider purchasing a policy from.
Top 10 Long Beach Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Long Beach Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
A conclusion for your car insurance search
Consumers switch companies for a variety of reasons including denial of a claim, questionable increases in premium, delays in responding to claim requests or even delays in paying claims. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
Lower-priced car insurance in Long Beach is possible both online and with local Long Beach insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide rates over the internet and these small insurance companies only sell through independent agencies.
As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.
Other resources
- Crash Avoidance Technologies FAQ (iihs.org)
- What Auto Insurance is Cheapest for High Risk Drivers in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Long Beach? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Rates for a Ford Explorer? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for 16 Year Olds? (FAQ)
- What Insurance is Cheapest for Government Employees in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Over Age 70 in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Fusion in Long Beach? (FAQ)
- Neck Injury FAQ (iihs.org)
- Choosing an Insurance Company (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)