Unthinkable but true, a large majority of consumers kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never shopped around. Most drivers in California could cut their rates by about $470 a year just by shopping around, but they don’t want to spend time to shop around.
If you want to find the absolute lowest rates, then the best way to get discount Volvo S80 insurance in Long Beach is to compare quotes once a year from insurers who can sell car insurance in California.
- Try to learn about how companies price auto insurance and the measures you can control to prevent rate increases. Many policy risk factors that result in higher prices such as traffic citations, accidents, and a negative credit history can be remedied by making small lifestyle or driving habit changes. Read the full article for more ideas to get cheaper rates and get bigger discounts.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agencies can give you price quotes from many different companies.
- Compare the new quotes to your existing policy and determine if cheaper S80 coverage is available in Long Beach. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
A crucial key to this process is to make sure you’re comparing identical coverages on each quote and and to get quotes from as many different companies as possible. This ensures a level playing field and a thorough selection of prices.
If you have coverage now or just want cheaper rates, use these techniques to get lower rates and still get good coverage. This article’s goal is to tell you the best way to buy inexpensive insurance and some money-saving tips. Comparison shoppers just need to know how to compare rates over the internet.
Best companies for competitive Volvo S80 insurance in California
The companies in the list below have been selected to offer comparison quotes in Long Beach, CA. If you wish to find cheap auto insurance in Long Beach, CA, we suggest you visit as many as you can to get the best price comparison.
Rates and data analysis
The rate information displayed below showcases detailed analysis of insurance costs for Volvo S80 models. Having insight into how insurance quotes are established can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $272 | $534 | $424 | $26 | $126 | $1,382 | $115 |
| S80 T6 AWD | $272 | $534 | $424 | $26 | $126 | $1,382 | $115 |
| S80 Executive AWD | $272 | $606 | $424 | $26 | $126 | $1,454 | $121 |
| S80 V8 AWD | $300 | $606 | $424 | $26 | $126 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in specific zip code location which can impact price quotes substantially.
Rate comparison for different deductibles
When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The rates shown below can help you visualize the price difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| S80 T6 AWD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| S80 Executive AWD | $430 | $882 | $442 | $26 | $132 | $1,937 | $161 |
| S80 V8 AWD | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| S80 T6 AWD | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| S80 Executive AWD | $348 | $712 | $442 | $26 | $132 | $1,660 | $138 |
| S80 V8 AWD | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in zip code location which can change coverage rates greatly.
Based on these figures, using a $250 deductible costs roughly $22 more each month or $264 for a full year than choosing the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 11 months between claim filings, you would probably come out ahead by going with a higher deductible.
Impact of careless driving on auto insurance rates
The information below highlights how speeding tickets and at-fault fender-benders impact Volvo S80 premium costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Gender differences in auto insurance premiums
The illustration below visualizes the comparison of Volvo S80 insurance costs for male and female drivers. The premiums are based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Lower rate quotes with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts that many consumers don’t even know exist. Certain credits will be shown at quote time, but a few need to be specifically requested before you will receive the discount. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.
- Accident Waiver – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm may permit one accident before hitting you with a surcharge so long as you are claim-free before the accident.
- Discounts for Cautious Drivers – Insureds without accidents can save as much as half off their rates than less cautious drivers.
- Multi-policy Discount – If you can combine your homeowners and auto policy with the same insurance company they may give you a discount of 10% to 20% off each policy.
- Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a lower price if you buy a life insurance policy as well.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Discount for Passive Restraints – Options like air bags or automatic seat belts may qualify for discounts of more than 20%.
As a disclaimer on discounts, most discount credits are not given to the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The illustration below illustrates the comparison of Volvo S80 insurance prices with and without discounts being applied to the rates. Data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, safe-driver, and multi-policy discounts applied.
A few popular companies and some of the premium reductions they offer include:
- State Farm offers discounts for Drive Safe & Save, anti-theft, Steer Clear safe driver discount, good driver, safe vehicle, and driver’s education.
- Esurance may have discounts that include renters, anti-lock brakes, homeowner, good driver, good student, online shopper, and multi-car.
- Progressive offers discounts including online quote discount, online signing, multi-vehicle, good student, multi-policy, homeowner, and continuous coverage.
- Liberty Mutual has discounts for new graduate, hybrid vehicle, newly married, new move discount, newly retired, and exclusive group savings.
- Auto-Owners Insurance may offer discounts for air bags, paperless, student away at school, anti-theft, and safe vehicle.
- GEICO includes discounts for air bags, defensive driver, membership and employees, driver training, daytime running lights, and good student.
Double check with every company how you can save money. Depending on the company, some discounts may not apply in every state.
Shop online but buy locally
A lot of people still like to visit with an insurance agent and that can be a smart move Good insurance agents can help determine the best coverages and help in the event of a claim. The best thing about getting free rate quotes online is that you can find better rates but also keep your business local. And supporting local agencies is still important in Long Beach.
After filling out this short form, your information is emailed to companies in Long Beach who will gladly provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to even leave your home because prices are sent directly to your email. If you have a need to get a comparison quote for a specific company, you can always search and find their rate quote page and give them your coverage information.
When narrowing the list to find a local Long Beach insurance agency, there are two different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Long Beach can be described as either independent agents or exclusive agents. Both sell affordable insurance policies, but it’s good to learn the difference in the companies they write for because it may have an impact on your selection of an agent.
Independent Insurance Agencies
Agents of this type do not work for one specific company and that is an advantage because they can write policies amongst many companies depending on which coverage is best. If they find a lower price, your agent can just switch to a different company and you stay with the same agent. When searching for an agent, it’s recommended you compare quotes from at least one independent agent to maximize your price options. A lot of them also have access to companies that do not advertise much which may have better rates.
Below is a partial list of independent insurance agents in Long Beach who may be able to give you pricing information.
- Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map - Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map - Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them sell on service rather than price. Some insured continue to buy from exclusive agents mostly because of the prominence of the brand rather than low rates.
Below is a list of exclusive insurance agents in Long Beach willing to provide comparison quotes.
- Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map - Peter Chai – State Farm Insurance Agent
3253 E South St #103 – Long Beach, CA 90805 – (562) 634-2000 – View Map - Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
Finding the right auto insurance agent requires more thought than just a cheap price quote. These are some questions your agent should answer.
- Will your rates increase after a single accident?
- How are claims handled?
- How often do they review policy coverages?
- Are they able to influence company decisions when a claim is filed?
- Are they full-time agents?
- Do they regularly work with personal auto policies in Long Beach?
- Are there any discounts for paying up front?
- Can glass claims be handled at your home?
Best auto insurance in California
Picking a good quality car insurance company is hard considering how many companies there are in Long Beach. The information in the next section can help you pick which insurers to look at 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 Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
More effort can pay off
Insureds switch companies for many reasons like an unsatisfactory settlement offer, unfair underwriting practices, extreme rates for teen drivers or not issuing a premium refund. It doesn’t matter why you want to switch switching car insurance companies is less work than it seems.
As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability coverage limits only to discover later that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.
We’ve covered some good ideas how you can save on Volvo S80 insurance in Long Beach. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from an unexpected company.
More resources
- Coverage Information (Progressive Insurance)
- Information for Teen Drivers (GEICO)
- Safety Tips for Teen Drivers (Insurance Information Institute)