Are you looking for a better way to compare low-cost auto insurance rates in Long Beach, CA? Long Beach buyers have many options when searching for affordable Lincoln MKZ insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for your Lincoln and obtain the lowest price either online or from Long Beach insurance agents.
Surprisingly, a recent survey revealed that nearly 70% of California drivers kept buying from the same company for well over three years, and approximately 38% of consumers have never compared quotes from other companies. Many drivers in the U.S. can save hundreds of dollars each year, but they just don’t understand how much savings they would realize if they changed companies.
Smart consumers take time to quote other rates quite often since insurance prices are adjusted regularly by insurance companies. Even if you got the best price on Lincoln MKZ insurance in Long Beach two years ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you the only way to remove unneeded coverages and save money.
The car insurance companies shown below are ready to provide comparison quotes in Long Beach, CA. If you wish to find the best auto insurance in Long Beach, we recommend you visit as many as you can to get the most competitive price.
Insurance rate breakdown
The premium information shown next showcases a range of coverage prices for Lincoln MKZ models. Learning how auto insurance prices are figured is important for you to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $272 | $490 | $654 | $38 | $196 | $1,650 | $138 |
| MKZ AWD 4-Dr Sedan | $272 | $490 | $654 | $38 | $196 | $1,650 | $138 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can influence premium rates substantially.
Can higher deductibles save money?
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The comparison tables below sum up the rate fluctuation when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
| MKZ AWD 4-Dr Sedan | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| MKZ AWD 4-Dr Sedan | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can impact auto insurance rates significantly.
We can derive from the above data that using a $100 deductible costs approximately $37 more each month or $444 for a full year averaged for all MKZ models than quoting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 11 months between claim filings, you would probably save some money if you elect the higher deductible.
Safe drivers pay cheaper rates
The diagram below demonstrates how speeding tickets and accident claims can impact Lincoln MKZ insurance prices for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Rate comparison of males versus females in Long Beach
The chart below shows the comparison of Lincoln MKZ insurance premiums for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $500 deductibles, single status, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The chart below shows the difference between Lincoln MKZ insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.
Are you wasting money on full coverage?
There is no written rule to delete physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Lincoln MKZ claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after you pay the deductible. If you are paying more than $700 annually for physical damage coverage, then it could be time to drop full coverage.
There are some situations where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Discount Long Beach car insurance rates
Companies don’t always advertise every discount in an easy-to-find place, so the below list has both well-publicized and the harder-to-find car insurance savings.
- 55 and Retired – Older drivers are able to get better car insurance rates.
- Home Ownership Discount – Simply owning a home can earn you a little savings because it is proof of financial responsibility.
- E-sign Discounts – A few larger online companies will provide an incentive just for signing your application digitally online.
- Professional Organizations – Belonging to a qualifying organization is a simple method to lower premiums on your bill.
- Discount for Swiching Early – Select insurance companies give a discount for renewing your policy before your current coverage expires. This can save 10% or more.
- No Charge for an Accident – Not really a discount, but some companies like Progressive and Allstate may permit one accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
- Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease with some car insurance companies.
- Telematics Devices – Long Beach drivers who agree to allow their company to study vehicle usage by using a telematics device such as State Farm’s In-Drive might see lower rates if they are good drivers.
As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.
The illustration below visualizes the comparison of Lincoln MKZ car insurance costs with and without discounts. The premium estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.
A few of the larger companies and their offered discounts include:
- Farmers Insurance may offer discounts for electronic funds transfer, switch companies, business and professional, mature driver, and distant student.
- Esurance policyholders can earn discounts including Switch & Save, anti-theft, good student, Pac-12 alumni, online quote, and multi-car.
- State Farm offers premium reductions for Steer Clear safe driver discount, good driver, accident-free, multiple policy, Drive Safe & Save, safe vehicle, and driver’s education.
- GEICO may have discounts that include seat belt use, membership and employees, federal employee, defensive driver, driver training, emergency military deployment, and multi-policy.
- Allstate may include discounts for premier plus, eSmart discount, teenSMART discount, economy car, and anti-theft.
Double check with all companies you are considering which credits you are entitled to. Savings may not be available in your area. If you would like to see a list of providers that offer some of these discounts in California, click here.
Car insurance protects more than just your car
Despite the potentially high cost of Lincoln MKZ insurance, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection if you don’t want to risk a ticket. 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 bought your vehicle with a loan, almost every bank will force you to carry insurance to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Lincoln at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance protects your Lincoln and your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so it’s recommended you shop around at least once a year to ensure rates are inline.
Best auto insurance in Long Beach
Finding the right insurer is hard considering how many companies sell insurance in California. The information below can help you select which companies to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Compare prices but still have a local Long Beach insurance agency
Many drivers still like to buy from a licensed agent and we recommend doing that Experienced insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find cheaper premium rates and still choose a local agent.
Once you complete this simple form, the coverage information is transmitted to insurance agents in Long Beach that provide free Long Beach car insurance quotes and help you find cheaper coverage. You don’t have to find an agent since rate quotes are delivered to you directly. If you need to get a price quote from a specific company, feel free to jump over to their website and fill out their quote form.
Finding the right company is decision based upon more than just a cheap quote. Some important questions to ask are:
- Are they actively involved in the community?
- Is the agency covered by Errors and Omissions coverage?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- When do they do policy reviews?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are claims handled at the agent’s location?
Best auto insurance agent in Long Beach
If you want to buy insurance from a local agent, it can be helpful to understand the types of insurance agents and how they can write your policy. Insurance agents in Long Beach are either exclusive agents or independent agents. Either type can insure your vehicles, but it is important to understand the difference in the companies they write for since it could factor into the selection process.
Exclusive Insurance Agencies
Exclusive agents normally can only provide a single company’s rates such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on sales techniques which helps them sell on service rather than price. A lot of people buy from the same agent for years partially due to loyalty to the company rather than low price.
Listed below are Long Beach exclusive agencies that are able to give comparison quotes.
- Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 – View Map - Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map - Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 – View Map
Independent Insurance Agents
Agents that choose to be independent are normally appointed by many insurers and that is an advantage because they can write policies with many different companies and find you cheaper rates. If your agent finds better pricing, they can switch companies in-house without you having to go to a different agency. If you need cheaper insurance rates, we recommend you check rates from a couple of independent agencies to get the most accurate price comparison. They often place coverage with less well-known companies which can be an advantage.
Shown below is a list of independent insurance agents in Long Beach that are able to give comparison quotes.
- Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map - Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map - Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map