We don’t have to tell you that car insurance companies want to keep you from shopping around. Drivers who shop around for the cheapest price are likely to switch to a new company because they have good chances of finding a lower-cost company. A recent survey found that people who made a habit of comparing rates saved $3,400 over four years compared to people who never compared other company’s rates.
If finding budget-friendly rates on car insurance in Long Beach is your intention, then having a grasp of how to find companies and compare insurance rates can make it easier for you to save money.
Really, the only way to get more affordable car insurance rates in Long Beach is to compare prices at least once a year from different companies in California. Drivers can shop around by completing these steps.
Step 1: It will benefit you to learn about what is in your policy and the modifications you can make to keep rates low. Many rating factors that cause rate increases like accidents, traffic violations, and an unacceptable credit score can be controlled by making minor driving habit or lifestyle changes.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple sources. Compare rates now
Step 3: Compare the new rates to your existing rates to see if cheaper FX35 coverage is available. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current agent or company to cancel the current policy. Submit a down payment and signed policy application to your new insurance company. Once the application is submitted, keep your new proof of insurance certificate along with your vehicle registration.
One thing to point out is that you use identical coverage information on every quote and to quote with all possible companies. This helps ensure the most accurate price comparison and a good representation of prices.
Cutting your car insurance rates can be surprisingly simple. Consumers just need to spend a few minutes on the computer comparing rate quotes to see which company has inexpensive Long Beach auto insurance quotes.
The car insurance companies shown below are our best choices to provide quotes in Long Beach, CA. To find the best car insurance in Long Beach, we recommend you compare several of them to get the lowest price.
Slash rates with these premium slashing discounts
Car insurance is neither fun to buy or cheap, but you may find discounts that you may not know about. Certain discounts will be applied when you quote, but some need to be manually applied prior to receiving the credit.
- Sign Early and Save – Some larger companies give discounts for switching policies before your current coverage expires. It can save you around 10%.
- Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
- Savings for New Vehicles – Buying a new car instead of a used FX35 can be considerably cheaper since newer models have better safety ratings.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
- Government Employee Discount – Federal government employees could cut as much as 10% off with select insurance companies.
- Waiver for an Accident – Not really a discount, but companies like Allstate, State Farm and GEICO permit an accident without raising rates so long as you are claim-free before the accident.
- Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
- Auto/Life Discount – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, you’re out of luck.
The illustration below shows the comparison of Infiniti FX35 insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, multi-policy, and homeowner discounts applied.
To see a list of insurance companies that offer multiple discounts in California, click this link.
Insurance data for an Infiniti FX35
The rate information displayed below highlights a range of coverage prices for Infiniti FX35 models. Knowing how auto insurance prices are calculated can be valuable when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX35 2WD 4-Dr | $302 | $490 | $654 | $38 | $196 | $1,680 | $140 |
| FX35 AWD 4-Dr | $302 | $490 | $654 | $38 | $196 | $1,680 | $140 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in zip code location which can increase or decrease premiums considerably.
Raise deductibles and save
One of the more difficult decisions when buying insurance is which deductible level should you buy. The data tables below summarize the differences in premium rates between high and low physical damage deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX35 2WD 4-Dr | $478 | $932 | $500 | $30 | $150 | $2,115 | $176 |
| FX35 AWD 4-Dr | $478 | $932 | $500 | $30 | $150 | $2,115 | $176 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX35 2WD 4-Dr | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| FX35 AWD 4-Dr | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in your specific Long Beach location which can decrease or increase rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $56 more each month or $672 each year than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 16 months between claims, you would save money if you decide on a higher deductible.
Gender differences in insurance premiums
The information below shows the comparison of Infiniti FX35 insurance rates for male and female drivers. The data assumes no violations or accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.
Infiniti FX35 full coverage rates compared to liability only
The diagram below shows the difference between Infiniti FX35 insurance premiums with liability coverage only compared to full coverage. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied.
Deciding between full coverage and liability only
There isn’t a written rule to drop physical damage coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Infiniti FX35 claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should maintain full coverage.
Insurance agencies can help
A lot of people prefer to sit down with an agent and there is nothing wrong with that. Professional insurance agents are very good at helping people manage risk and help file insurance claims. One of the benefits of price shopping on the web is that you can obtain lower rates but still work with a licensed agent.
After completing this quick form, the coverage information is sent to companies in Long Beach who will gladly provide quotes for your car insurance coverage. You won’t need to contact an agency because quoted prices will be sent to the email address you provide. If you need to compare prices for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
Finding the right insurance company shouldn’t rely on just the bottom line cost. Any agent in Long Beach should be willing to answer these questions.
- Is the coverage adequate for your vehicle?
- Will they give you a referral list?
- Which company do they place the most coverage with?
- Do they regularly work with personal auto policies in Long Beach?
- Do they offer accident forgiveness?
If you prefer to buy car insurance from a local insurance agency, it’s important to understand the different agency structures and how they are distinctly different. Car insurance agents can either be independent or exclusive depending on the company they work for. Both types of agents can handle car insurance, but it’s worth learning why they differ because it can impact the kind of agent you use.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to provide other company’s prices so you need to shop around if the rates are high. They receive a lot of sales training on their products and sales techniques which can be an advantage. Consumers sometimes use the same exclusive agent mostly because of loyalty to the company rather than having low rates.
Shown below are Long Beach exclusive insurance agencies that are able to give price quotes.
- State Farm: Keir Jones
5150 E Colorado St – Long Beach, CA 90814 – (562) 433-5573 – View Map - April Showers – State Farm Insurance Agent
537 W Willow St – Long Beach, CA 90806 – (562) 612-4949 – View Map - Allstate Insurance: Brenda Soto Bryan
4202 Atlantic Ave Ste 201 – Long Beach, CA 90807 – (562) 426-1752 – View Map
Independent Car Insurance Agents
Agents that elect to be independent do not have single company limitations and that allows them to write policies with many different companies and help determine which has the cheapest rates. If prices rise, they simply move your policy to a different company which is easy for the insured. If you are comparing rate quotes, we highly recommend that you get quotes from at least one independent agent to maximize your price options. They also have the ability to place coverage with companies that do not advertise much which may have better rates.
Listed below are Long Beach independent insurance agents that can give you rate quotes.
- Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map - Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map
Which policy gives me the best coverage?
When quoting and choosing coverage for your vehicles, there really isn’t a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that.
For instance, these questions can aid in determining whether your personal situation may require specific advice.
- Does insurance cover damages from a DUI accident?
- Do I need to file an SR-22 for a DUI in California?
- What if I total my Infiniti FX35 and owe more than it’s worth?
- What is covered by UM/UIM coverage?
- Is a blown tire covered by insurance?
- Am I covered when driving on a suspended license?
- Is my nanny covered when transporting my kids?
- Does having multiple vehicles earn me a discount?
- Does insurance cover tools stolen from my truck?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
How Your FX35 Insurance Costs are Determined
It’s important that you understand some of the elements that help determine the rates you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower premium levels. Multiple criteria are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are more obscure like where you live or your vehicle rating.
The following are some of the most common factors companies use to determine your rate level.
Liability is critical – A critical coverage on your policy, liability insurance will provide protection if you are found liable for physical damage or personal injury to other. This coverage provides legal defense which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
Always keep your insurance in force – Driving any period of time without insurance is a big no-no and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher rates, failure to provide proof of insurance could earn you fines or a revoked license. You may have to prove you have insurance by filing a SR-22 with the California DMV.
What are your coverage deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of claims that would be covered could be a windshield shattered by a rock, hitting a deer, or theft. Physical damage deductibles represent how much money you are willing to pay out-of-pocket if a claim is determined to be covered. The more money you’re willing to pay, the less your company will charge you for insurance.
Teenagers are high risk – Drivers with little experience tend to be less responsible when behind the wheel and because of this, their insurance rates are much higher. Parents adding a teen driver onto a policy can really hurt. More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and are generally more financially stable.
The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
More performance means more cost – The type of car, truck or SUV you are buying insurance for makes a big difference in your rates. Low performance passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
The next chart is based on a married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Infiniti FX35 car insurance rates compared to other vehicles that have a range of performances.
Auto insurance protects more than just your car
Despite the fact that auto insurance is not cheap in Long Beach, insuring your vehicle is required in California but also provides important benefits.
- Just about all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability protection 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 lien on your Infiniti, more than likely the lender will make it mandatory that you carry insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Infiniti at a significantly higher premium and require you to pay for the much more expensive policy.
- Auto insurance preserves not only your Infiniti but also your assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the repair costs.
The benefits of insuring your FX35 greatly outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying over $700 annually so it’s recommended you shop around every year to ensure rates are inline.
What is the best auto insurance company in Long Beach?
Finding the best auto insurance company can be challenging considering how many companies sell coverage in California. The company information in the lists below can help you select which car insurance providers you want to consider comparing prices from.
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 by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
In the end, you can save money
Budget-friendly insurance in Long Beach is attainable online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance companies don’t offer online rate quotes and these small, regional companies only sell coverage through local independent agencies.
You just learned many tips how you can find cheaper Infiniti FX35 insurance in Long Beach. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. You may even find the lowest rates are with a small local company. Regional companies may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm or Progressive.
When shopping online for insurance, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.
More tips and info about insurance can be found in these articles:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Veterans in Long Beach? (FAQ)
- Who Has Cheap Long Beach Auto Insurance for High Mileage Drivers? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Long Beach? (FAQ)
- What Car Insurance is Cheapest for 4×4 Vehicles in Long Beach? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Understanding your Policy (NAIC.org)
- Neck Injury FAQ (iihs.org)