It takes a little time, but the best way to get affordable Lexus RC 200t insurance is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Long Beach. Rate comparisons can be done by completing these steps.
- Spend a few minutes and learn about policy coverages and the measures you can control to keep rates down. Many factors that drive up the price like careless driving and poor credit history can be controlled by paying attention to minor details. Keep reading for additional tips to get cheaper coverage and find missing discounts.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the new rate quotes to your current policy premium and see if there is a cheaper rate. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
- Provide proper notification to your current company of your decision to cancel your current car insurance policy. Submit the completed application along with a down payment for your new policy. As soon as you can, put the proof of insurance certificate in your glove compartment.
The key aspect of shopping around is to compare the same physical damage deductibles and liability limits on every quote and to quote with every insurance company. This helps ensure a fair price comparison and the most accurate and complete price analysis.
Remarkably, a study showed that most drivers in California renewed their policy with the same company for at least four years, and approximately 38% of consumers have never even compared quotes to find lower-cost rates. With the average premium in the United States being $1,847, drivers could save an average of 47% each year by just shopping around, but they don’t believe the actual amount they would save if they switched to a more affordable policy.
Finding the cheapest insurance coverage in Long Beach is easy if you know what you’re doing. Basically, every person who shops for insurance will be able to lower their premiums. Nevertheless, California vehicle owners do need to understand the way insurance companies determine prices because rates fluctuate considerably.
Why You Might Pay Increased Rates in Long Beach
A large part of saving on insurance is knowing the different types of things that go into determining your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that could result in lower insurance prices.
Listed below are some of the items insurance companies consider when setting your prices.
Avoid policy lapses – Driving without insurance coverage in place is against the law and any future policy may cost more because you let your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance can result in a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.
What are your deductibles? – Physical damage deductibles tell how much you are required to spend if a covered claim is submitted. Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of some claims that would be covered could be collision with another vehicle, animal collisions, and damage from wind. The more money you’re willing to pay, the bigger discount you will receive.
Extra coverages you don’t use – There are many optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like rental car reimbursement, towing coverage, and Farm Bureau memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you have no use for them remove them from your policy.
Premiums are affected by your credit rating – Credit rating factor in calculating your premium rate. If your credit history leaves room for improvement, you could save money insuring your Lexus RC 200t by improving your rating. People that have very good credit scores tend to be better risks to insure as compared to drivers with bad credit.
Occupation can influence rates – Did you know your career choice can influence rates? Jobs such as real estate brokers, executives, and financial analysts tend to pay higher premium rates due to stressful work requirements and lots of time spent away from family. Other jobs like actors, historians and retirees pay lower than average rates.
Poor driving habits means higher rates – Being a careful driver influences premium rates substantially. Having just one chargeable violation may cause rates to rise twenty percent or more. Good drivers get better rates than their less careful counterparts. Drivers with serious violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Cut prices and deter theft – Buying a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft.
What’s your car’s crash test rating? – Safer cars get lower rates. Highly rated vehicles reduce occupant injuries and fewer serious injuries translates directly to fewer claims and lower rates for you. If your Lexus RC 200t earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Just remember that quoting more increases the chance that you will find a better price.
The following companies are our best choices to provide price quotes in California. If your goal is to find the best car insurance in Long Beach, CA, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Choosing the best Lexus RC 200t insurance in California is an important decision
Even though it can be expensive, insurance is mandatory in California but it also protects more than you think.
- Most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance in order to license the vehicle. 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 loan on your vehicle, almost every bank will require you to carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Lexus for a lot more money and require you to pay the higher premium.
- Insurance protects your Lexus RC 200t and your assets. It will also pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you have damage to your Lexus as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying over $830 a year so we recommend shopping around at least once a year to save money.
Save money on Lexus RC 200t insurance in Long Beach with these car insurance discounts
Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Some discounts apply automatically at quote time, but occasionally some discounts must be requested specifically before being credited. If you do not check that you are getting every discount possible, you are throwing money away.
- Club Memberships – Participating in a civic or occupational organization in Long Beach is a good way to get lower rates when shopping for car insurance.
- Defensive Driver Discount – Passing a class that teaches defensive driver techniques may get you a small discount and make you a better driver.
- Sign Online – A few larger companies will provide an incentive shop Long Beach auto insurance on the internet.
- Onboard Data Collection – Drivers that enable driving data collection to monitor vehicle usage by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
- Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 20% or more.
- No Claims – Drivers with accident-free driving histories get the best car insurance rates when compared with drivers with a long claim history.
- Active Service Discounts – Being on active deployment in the military can result in better premium rates.
- One Accident Forgiven – Not really a discount, but certain companies permit an accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
Don’t be surprised that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount should help lower your premiums.
Insurance companies that possibly offer these benefits may include but are not limited to:
Before you buy a policy, ask each company or agent to apply every possible discount. Some credits might not apply in Long Beach. To see a list of providers that offer multiple discounts in Long Beach, click here to view.
Shop online but buy locally
Certain consumers prefer to talk to an insurance agent and we recommend doing that One of the benefits of comparing rates online is that drivers can save money and get better rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to local insurance agents in Long Beach who can give free rate quotes for your coverage. You won’t even need to even leave your home as quotes are delivered immediately to your email address. Get lower rates and a licensed agent to talk to. If for some reason you want to compare rates for a specific company, you would need to go to their quote page to submit a rate quote request.
Deciding on an insurance company requires you to look at more than just the premium amount. Get answers to these questions too.
- What company holds the largest book of business for them?
- Will they make sure you get an adequate claim settlement?
- Is auto insurance their primary focus in Long Beach?
- What companies can they write with?
- How many years have they been established?
- Does the agency support the community they serve?
If you’re trying to find a reputable insurance agent or broker, it helps to know the two types of agencies and how they can write your policy. Auto insurance agencies can be categorized as either independent (non-exclusive) or exclusive.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to place coverage with different providers so keep that in mind. Exclusive agents are very knowledgeable on what they offer which can be an advantage. Some people will only buy from the same agent for years mostly because of the brand name and strong financial ratings.
Shown below are exclusive agencies in Long Beach who can help you get price quote information.
- Farmers Insurance: Doug Horn
1635 E Anaheim St – Long Beach, CA 90813 – (562) 591-3100 – View Map
- Farmers Insurance: Edward Reyes
1424 W Willow St – Long Beach, CA 90810 – (562) 427-7030 – View Map
- Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371 – View Map
Independent Agencies or Brokers
These type of agents are not employed by any specific company so they can write business with multiple insurance companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally and you don’t have to find a new agent. If you need cheaper auto insurance rates, you will want to compare prices from multiple independent agents so that you can do a thorough price comparison. Most have the option of insuring with less well-known companies which may provide better rates.
Listed below is a short list of independent insurance agents in Long Beach who can help you get comparison quotes.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map
- 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
If you get good answers to these questions and a good coverage price, you may have just found an auto insurance agent that can be relied on to properly service your auto insurance policy. Just remember it’s your policy and you can terminate your policy when you choose so don’t assume you’re contractually obligated to the auto insurance policy indefinitely.
Ratings for Long Beach auto insurance companies
Finding a highly-rated car insurance provider is difficult considering how many different insurance companies sell coverage in Long Beach. The information below could help you analyze which car insurance companies you want to consider buying from.
Top 10 Long Beach Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
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%
There’s no such thing as the perfect auto insurance policy
When quoting and comparing a policy, there really is not a perfect coverage plan. Everyone’s needs are different.
Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.
- Does my personal policy cover me when driving out-of-state?
- What is covered by UM/UIM coverage?
- When should my teen driver be added to my policy?
- Can my babysitter drive my car?
- What is an adequate liability insurance limit?
- Do I have coverage for damage caused while driving under the influence?
- Does coverage extend to my business vehicle?
- Are there any extra discounts I can get?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.
More comparisons equals cheap rates
When shopping online for car insurance, do not buy poor coverage just to save money. There have been many cases where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage for the lowest cost.
Lower-priced Lexus RC 200t insurance in Long Beach is available on the web in addition to many Long Beach insurance agents, so you need to quote Long Beach auto insurance with both so you have a total pricing picture. Some insurance providers do not provide rate quotes online and usually these regional insurance providers work with independent agents.
People leave their current company for a variety of reasons including lack of trust in their agent, not issuing a premium refund, extreme rates for teen drivers or denial of a claim. Whatever your reason, finding the right car insurance provider is not as hard as you think.
To learn more, feel free to browse these articles:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Long Beach Auto Insurance Quotes for College Students? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Long Beach? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)