The words “affordable” and “insurance” really don’t belong together, in particular when searching for the lowest insurance rates for teachers. Because of the high cost, let’s get started by showing you some things that have a considerable impact on insurance prices, and find a way to reduce the price of the next policy you buy.
Deciphering which company quotes the lowest-priced car insurance rates for teachers involves a little more effort in order to find the lowest price quote.
Each insurance company uses different criteria to set policy rates, so we will examine the most competitive car insurance companies in Long Beach. It’s a good idea to be aware that Long Beach car insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. Simply improving your credit, buying a home, or getting a driving violation can produce rate changes resulting in some companies being cheaper than competitors.
Find the Cheapest Auto Insurance for Educators
|Rank||Company||Cost Per Year|
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USAA normally has some of the most affordable car insurance rates in Long Beach at around $1,143 a year. Wawanesa, CSAA, Century National, and Nationwide are also some of the best Long Beach, CA insurance companies.
In this example, if you are insured with CSAA and switched to USAA, you might realize savings of in the vicinity of $55. Insureds with Century National might save as much as $71 a year, and Nationwide customers might lower prices by $120 a year.
Remember that these premiums are averages across all ages of drivers and types of vehicles and do not factor in an exact zip code location for teachers. So the insurer that can offer you the lowest price may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
One of the more important considerations that are used to help calculate car insurance rates is where you live. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from lower rates.
The illustration below ranks the priciest cities in California for teachers to purchase auto insurance in. Long Beach shows up at #7 with a yearly premium of $1,610 for car insurance, which is around $134 each month.
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Rates are comparative as the specific Long Beach residence address can influence auto insurance rates greatly.
The make and model of vehicle needing coverage is probably the most important factor when comparing quotes for low-cost car insurance for teachers. Vehicles with high performance, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than safer models.
The table below ranks coverage prices for a selection of the most cost-effective vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,099|
|Honda Accord EX 4-Dr Sedan||$1,105|
|Ford Escape XLT 4WD||$1,125|
|Jeep Wrangler Sport 4WD 2-Dr||$1,141|
|Toyota RAV4 Sport 2WD||$1,303|
|Ford F-150 FX4 Super Cab 4WD||$1,327|
|Toyota Camry SE||$1,370|
|Chevrolet Impala LTZ||$1,378|
|Chevrolet Malibu LTZ||$1,394|
|GMC Sierra SLT Extended Cab 2WD||$1,399|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,394|
|Volkswagen Jetta SE 4-Dr Sedan||$1,399|
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in Long Beach, CA location which can revise premiums substantially.
Based on these rates, we can infer that models like the Honda CR-V, Honda Accord, Ford Escape, Jeep Wrangler, and Toyota RAV4 are most likely to be some of the cheaper vehicles to insure for teachers and educators.
Price comparison of only insuring for liability
Paying less for car insurance is important to the majority of people, and an easy way to buy cheap insurance for teachers is to not buy full coverage. The example below visualizes the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
If all age groups are averaged, physical damage coverage costs $2,314 per year over and above liability coverage. That brings up the question if full coverage is worth the money. There is no specific rule of when to drop comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
How to get discounts on Long Beach auto insurance
Insurers that offer coverage for teachers could also offer policy discounts that can lower rates by as much as 40% or more if you qualify. Large car insurance companies and some of the discounts are outlined below.
- State Farm has discounts for student away at school, multiple policy, anti-theft, Steer Clear safe driver discount, and passive restraint.
- Farmers Insurance offers discounts including homeowner, good student, distant student, mature driver, switch companies, and alternative fuel.
- GEICO may include discounts for multi-vehicle, multi-policy, anti-theft, seat belt use, air bags, and anti-lock brakes.
- American Family may have discounts that include Steer into Savings, bundled insurance, early bird, defensive driver, good driver, and air bags.
- Nationwide discounts include business or organization, accident-free, defensive driving, anti-theft, multi-policy, and easy pay.
- Progressive offers discounts for homeowner, multi-vehicle, online signing, online quote discount, continuous coverage, and multi-policy.
The diagram below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, multiple vehicle, defensive driving course, passive restraint, homeowner, and vehicle safety discounts applied. When these discounts are applied, theaverage amount saved on car insurance for teachers is 28% or $735.
Poor driving habits will raise your car insurance rates
The common sense way to maintain the cheapest car insurance rates in California for teachers and educators is to be an attentive driver and avoid getting tickets or having accidents. The example below demonstrates how traffic citations and accidents increase auto insurance costs for different age groups of insureds. The costs are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of a car insurance policy in California per year with no violations or accidents is $2,122. Get written up for one speeding ticket and the average cost swells to $2,445, an increase of $324 each year. Now include one accident along with the one speeding ticket and the yearly cost of car insurance for teachers jumps again to an average of $3,341. That’s an increase of $1,219, or $102 per month, just for being a careless driver!
The agents below are willing to provide answers to your questions and help you determine which car insurance company is the best fit, since some people prefer to have some professional guidance when buying car insurance for teachers. It can be challenging to find the cheapest car insurance policy, so getting advice from a licensed California insurance agent can bring satisfaction knowing your policy gives you sufficient coverage at claim time. To locate a Long Beach car insurance agency close to where you live, click the button at the bottom or click here to compare rates now.
C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995
Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244
Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030
How to find budget-friendly car insurance for teachers
The list below details many thrifty solutions that can help drivers find cheap auto insurance.
- Buy your auto and home insurance from the same company and save
- Do not pay for full coverage on older vehicles
- Claim-free policyholders usually earn a discount
- The safer your car, the less it costs to insure
- Good credit can save money
- Increase your policy deductibles
- Compare rate quotes frequently
That last tip is certainly crucial, as we stressed in this write-up. Car insurance rates can change considerably in a year, so don’t be tentative to switch carriers if a better deal can be had.
Loyalty to a specific company is fine, but it’s not recommended if that loyalty results in overpaying hundreds of dollars year after year. Take a couple minutes and shop around to find cheaper insurance for teachers in Long Beach.