If you want to save the most money, the best way to find the cheapest price for car insurance rates in Long Beach is to compare prices once a year from companies who sell auto insurance in California.
First, spend some time learning about how auto insurance works and the changes you can make to prevent high rates. Many factors that are responsible for high rates such as at-fault accidents and a poor credit score can be eliminated by making small lifestyle or driving habit changes.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agents can provide price quotes from multiple insurance companies. Begin your rate comparison
Third, compare the price quotes to the price on your current policy and determine if there is any savings. If you can save some money, make sure there is no coverage gap between policies.
Fourth, notify your current company to cancel your current coverage and submit the signed application along with the required initial payment to the newly selected company. Once coverage is bound, safely store the certificate of insurance in a readily accessible location in your vehicle.
The key aspect of shopping around is to try to use similar limits and deductibles on every quote and and to get prices from as many companies as feasibly possible. This guarantees a level playing field and the most accurate and complete price analysis.
Unimaginable but true, almost 70% of drivers have been with the same company for over three years, and practically 40% of car insurance customers have never shopped around. With the average car insurance premium being $1,390, Long Beach drivers could save an average of approximately $500 each year by just comparing rate quotes, but most just don’t grasp how much money they would save if they changed companies.
Buying the cheapest insurance in Long Beach is quite easy. If you have a policy now or just want cheaper coverage, you can follow these tips to find better prices and still get good coverage. Consumers just need to understand the quickest way to compare insurance rates from many different companies.
Save with these seven discounts on Land Rover LR2 insurance in Long Beach
Some insurance providers do not advertise all their discounts in an easy-to-find place, so the list below details a few of the more common and also the lesser-known discounts that you can inquire about if you buy Long Beach auto insurance online.
- Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
- Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts up to 30%.
- Telematics Discount – Drivers that enable driving data collection to monitor vehicle usage by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
- Save with More Vehicles Insured – Buying insurance for multiple vehicles on a single policy can reduce the rates for all insured vehicles.
- College Student – Youth drivers living away from Long Beach attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Accident Waiver – Not necessarily a discount, but certain companies will let one accident slide without the usual rate increase if you have no claims before the accident.
- Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
A quick disclaimer, most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts should definitely cut the cost of coverage.
The information below shows the difference between Land Rover LR2 insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.
Large auto insurance companies and the discounts they provide can be found below.
- State Farm has discounts for passive restraint, multiple autos, anti-theft, accident-free, good driver, and student away at school.
- Farmers Insurance offers discounts including good student, pay in full, switch companies, teen driver, alternative fuel, business and professional, and early shopping.
- Progressive policyholders can earn discounts including online quote discount, good student, multi-policy, homeowner, online signing, and continuous coverage.
- GEICO has savings for multi-policy, multi-vehicle, anti-lock brakes, driver training, anti-theft, and daytime running lights.
- Auto-Owners Insurance offers discounts for multi-policy, multiple vehicles, anti-theft, company car, and safe driver.
- The Hartford may include discounts for bundle, good student, driver training, vehicle fuel type, and anti-theft.
- Farm Bureau may offer discounts for good student, multi-policy, youthful driver, multi-vehicle, and safe driver.
- USAA may have discounts that include vehicle storage, driver training, new vehicle, defensive driver, good student, multi-policy, and military installation.
It’s a good idea to ask all companies you are considering what discounts are available to you. Some of the discounts discussed earlier might not apply everywhere. For a list of providers who offer online Land Rover LR2 insurance quotes in Long Beach, click here.
The fastest way that we advise to compare insurance rates in your area is to understand auto insurance companies participate in a system to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details such as whether you are single or married, if the vehicle is leased, your job, and how your vehicles are used. That rating information gets sent immediately to multiple top-rated companies and you receive quotes instantly to find the best rate.
To compare lower-cost Land Rover LR2 insurance rates now, click here and enter your coverage details.
The companies shown below are our best choices to provide free quotes in Long Beach, CA. If you wish to find the best car insurance in Long Beach, we suggest you compare several of them in order to get a fair rate comparison.
Land Rover LR2 coverage statistics
The rate table shown below highlights detailed analysis of policy rates for Land Rover LR2 models. Learning how insurance policy rates are established can aid in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|LR2 HSE Luxury||$370||$664||$464||$28||$138||$1,664||$139|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can impact rates substantially.
The information below demonstrates how choosing different deductibles and can affect Land Rover LR2 insurance premiums for each age group. The prices are based on a single male driver, comp and collision included, and no other discounts are factored in.
Driving violations and accidents
The example below shows how traffic citations and fender-benders influence Land Rover LR2 car insurance costs for different age groups of insureds. The rates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Does it make sense to buy full coverage?
The information below visualizes the comparison of Land Rover LR2 insurance prices when comparing full coverage to state minimum liability only. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Land Rover LR2 replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Compare rates but buy from a neighborhood Long Beach auto insurance agent
Many drivers would prefer to get advice from a local agent. Professional agents can help you choose the best coverages and help you file claims. A good thing about comparing rates online is the fact that drivers can get the best rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, the coverage information is emailed to local insurance agents in Long Beach that provide free Long Beach auto insurance quotes to get your business. You don’t have to search for an agent because quoted prices will be sent instantly to you. In the event you want to compare prices from a specific insurance company, just navigate to their website to submit a rate quote request.
Choosing the best provider requires more thought than just a low price. Agents should be asked these questions:
- What company holds the largest book of business for them?
- Do they have any clout with companies to ensure a fair claim settlement?
- Can you use your own choice of collision repair facility?
- By raising physical damage deductibles, how much would you save?
- Are claims handled at the agent’s location?
If you prefer to buy auto insurance from a reliable agent, there are a couple of types of agencies and how they operate. Agents in Long Beach can either be independent or exclusive depending on the company they work for. Both types of agents can insure your vehicles, but it is important to understand the differences since it may influence the selection process.
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company and some examples include Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so always compare other rates. Exclusive insurance agents are very knowledgeable on the products they sell which aids in selling service over price. Consumers sometimes purchase coverage from exclusives mainly due to loyalty to the company rather than low rates.
Shown below is a short list of exclusive agencies in Long Beach willing to provide price quotes.
- Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726 – View Map
- Vinny Bommaiah – State Farm Insurance Agent
6272 Pacific Coast Hwy Ste C – Long Beach, CA 90803 – (562) 439-8544 – View Map
- Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map
Independent Agents (or Brokers)
Independent agents can sell policies from many different companies and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move the coverage in-house which makes it simple for you.
When comparison shopping, we recommend you contact at a minimum one independent agency in order to have the best price comparison. Most independent agents also contract with additional companies that you may not be familiar with who may have lower rates.
Listed below is a short list of independent insurance agents in Long Beach that are able to give price quote information.
- Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map
- Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map
- Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
What insurance coverages do you need?
Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Medical expense insurance – Med pay and PIP coverage provide coverage for bills such as prosthetic devices, EMT expenses, X-ray expenses, ambulance fees and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – This provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Land Rover LR2.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage protects against claims like pain and suffering, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford. California requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.
The next chart shows why the minimum limit may not be enough.
Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible on your LR2 in order to get cheaper collision rates.
Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from flooding, hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Do the work, save more money
The cheapest Land Rover LR2 insurance in Long Beach can be bought online and from local insurance agents, so get free Long Beach auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and many times these regional carriers only sell through independent agents.
Consumers who switch companies do it for many reasons like being labeled a high risk driver, lack of trust in their agent, an unsatisfactory settlement offer or policy non-renewal. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.
When getting Long Beach auto insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best cost but still have enough coverage for asset protection.
Helpful learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Auto Insurance Quotes for Welfare Recipients in Long Beach? (FAQ)
- Who Has Cheap Car Insurance for College Graduates in Long Beach? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)