It takes a few minutes, but the best way to get discount Nissan Juke insurance in Long Beach is to regularly compare prices from different companies who sell insurance in California.
- Step 1: Try to learn a little about the coverage provided by your policy and the changes you can make to prevent rate increases. Many rating factors that result in higher prices such as accidents, traffic tickets, and a less-than-favorable credit history can be improved by making minor changes to your lifestyle. Read the full article for additional ideas to help prevent expensive coverage and get bigger discounts that may have been overlooked.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can quote rates from multiple sources.
- Step 3: Compare the new rate quotes to your existing policy to see if a cheaper price is available in Long Beach. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide proper notification to your current company of your intention to cancel your existing policy. Submit a down payment and signed policy application for your new coverage. As soon as you can, store the proof of insurance certificate along with the vehicle’s registration papers.
The most important part of shopping around is to make sure you’re comparing the same liability limits and deductibles on each price quote and and to analyze as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and a better comparison of the market.
A study showed that the majority of drivers have been with the same company for over three years, and nearly half have never quoted car insurance rates at all. The average driver in Long Beach could save themselves as much as 35% a year just by getting comparison quotes, but they don’t understand how simple it is to do a rate comparison.
Best companies for competitive Nissan Juke insurance in California
The companies shown below offer free rate quotes in Long Beach, CA. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.
Save with these nine premium slashing discounts
Companies offering auto insurance don’t always list every discount available in an easy-to-find place, so we took the time to find some of the best known and the more hidden discounts that may be available.
- Data Collection Discounts – Drivers who elect to allow their insurance company to look at driving manner by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks as long as the data is positive.
- Good Student – Being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
- Bundle and Save – When you combine your auto and homeowners insurance with one company you may earn as much as 10 to 15 percent.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course in high school.
- Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for better auto insurance rates.
- Sign Online – Many larger companies may give you up to $50 for buying your policy on the internet.
- Defensive Driver Discount – Participating in a driver safety course could possibly earn you a 5% discount if your company offers it.
A quick disclaimer, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.
Some companies that may include most of the discounts above include:
When getting free Long Beach car insurance quotes, it’s a good idea to every insurance company how you can save money. Some credits might not apply everywhere. If you would like to see a list of insurance companies who offer free Nissan Juke insurance quotes in Long Beach, click here to view.
When should I discuss my situation with an agent?
When selecting adequate coverage, there really isn’t a single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether you would benefit from professional advice.
- Does liability extend to a camper or trailer?
- What can I do if my company denied a claim?
- Am I covered if my car is in a flood?
- Are combined or split liability limits better?
- Am I covered if I crash into my own garage door?
- What is the minimum liability in California?
- When should my teen driver be added to my policy?
If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier
Can’t I compare rate quotes from local Long Beach insurance agencies?
Certain consumers just want to buy from a local agent and that can be a smart move One of the great benefits of getting online price quotes is that you can obtain cheaper prices but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to participating agents in Long Beach who will give you quotes for your coverage. There is no need to search for an agent because quoted prices will be sent instantly to you. Get lower rates and an insurance agent to talk to. If for some reason you want to quote rates from one company in particular, you can always find their quoting web page and complete a quote there.
Finding a good insurance company shouldn’t rely on just a low price. Below are some questions you should ask.
- Do they offer accident forgiveness?
- What is the agency’s Better Business Bureau rating?
- Which insurance company do they prefer to write with?
- How are claims handled?
- When do they do policy reviews?
- Will a damage claim use OEM or aftermarket replacement parts?
If you’re trying to find local Long Beach agents, it’s important to understand the types of agencies that you can select. Insurance agencies may be either independent or exclusive.
Exclusive Agents
Agents that choose to be exclusive can only provide pricing for a single company like AAA, Allstate, and State Farm. Exclusive agents are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agencies are trained well on their company’s products which aids in selling service over price.
Below is a short list of exclusive insurance agents in Long Beach who can help you get price quotes.
Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map
State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map
Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 – View Map
Independent Insurance Agencies
Independent agents are not locked into one company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your premiums go up, your agent can just switch to a different company and you don’t have to switch agencies.
If you are trying to find cheaper rates, you will definitely want to contact multiple independent agents in order to have the best price comparison.
Shown below is a short list of independent agents in Long Beach that are able to give price quotes.
Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 – View Map
Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map
Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
How to find a good California auto insurance company
Selecting the highest-rated car insurance provider can be a challenge considering how many different companies sell coverage in California. The ranking information shown below may help you select which companies to look at when comparing rate quotes.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Auto insurance coverages
Learning about specific coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.
Collision coverage – Collision insurance covers damage to your Juke from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like hitting a mailbox, rolling your car, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible on your Juke to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as damage from flooding, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Juke.
Since many California drivers only purchase the least amount of liability that is required (15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability coverage protects against things like pain and suffering, loss of income, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
The next chart shows why buying the state minimum limits may not provide you with enough coverage.
Cheaper insurance rates are available
As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage only to discover later they didn’t have enough coverage. Your goal should be to get the best coverage possible for the lowest price and still be able to protect your assets.
Budget-conscious Nissan Juke insurance is attainable on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer online rate quotes and these smaller companies work with independent agencies.
For more information, link through to these articles:
- How to Avoid Staged Accidents (State Farm)
- Who Has the Cheapest Long Beach Car Insurance for Infrequent Drivers? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Credit and Insurance Scores (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)