Want to learn a better way to compare the cheapest car insurance rates in Long Beach, CA? Long Beach drivers have many options when trying to find the best price on Mazda Tribute insurance. You can either spend your time calling around to compare prices or utilize the internet to make rate comparisons.
There is a right way and a wrong way to buy car insurance and you need to know the proper way to get price quotes for a new or used Mazda and obtain the lowest possible price.
Surprisingly, a recent survey revealed that 70% of consumers have been with the same company for well over three years, and roughly 40% of drivers have never compared car insurance rates at all. With the average car insurance premium being $1,400, Long Beach drivers could cut their rates by $470 a year just by shopping around, but they don’t understand how simple it is to find cheaper car insurance rates.
It’s a good idea to quote other rates once or twice a year since insurance prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Mazda Tribute insurance in Long Beach six months ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.
Auto insurance quotes and discounts
Some companies do not list every policy discount very clearly, so the list below gives a summary of both the well known as well as some of the hidden discounts that may be available. If you do not double check each discount you deserve, you could be paying more than you need to.
- Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
- Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class in high school.
- Multiple Vehicles – Buying coverage for more than one vehicle with one company can reduce rates for all insured vehicles.
- Distant Student – Kids who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
- Lower Rates for Military – Being deployed with a military unit can result in better premium rates.
- Paperwork-free – Many auto insurance companies provide a small discount for buying your policy on their website.
- Save with a New Car – Buying auto insurance coverage on a new vehicle may earn a small discount since new vehicles are generally safer.
- Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on Tribute insurance in Long Beach.
A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will positively reduce your policy cost.
The information below illustrates the comparison of Mazda Tribute premium costs with and without discounts applied. The costs are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, marriage, homeowner, and multi-car discounts applied.
To locate insurance companies that have a full spectrum of discounts in California, click here.
All major insurance companies allow consumers to get insurance quotes direct online. Getting online rates for Mazda Tribute insurance in Long Beach is quite simple as you simply enter your coverage preferences on the page. Once you submit the form, their system requests your credit score and driving record and provides a quote determined by many factors.
Getting online quotes for Mazda Tribute insurance in Long Beach helps simplify price comparisons, and it’s very important to have as many quotes as possible in order to get the lowest payment possible.
To compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you copy the coverages as shown on your current policy. Doing this assures you will receive a rate comparison based on the exact same insurance coverage.
The companies in the list below can provide comparison quotes in Long Beach, CA. If you want to find the cheapest car insurance in Long Beach, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Rates and other information
The rate information displayed next showcases different coverage costs for Mazda Tribute models. Having a better idea how auto insurance prices are established can help guide drivers when making smart choices when purchasing an insurance policy.
|Tribute I Sport 2WD
|Tribute I Sport 4WD
|Tribute I Touring 2WD
|Tribute I Grand Touring 2WD
|Tribute I Touring 4WD
|Tribute I Grand Touring 4WD
|Tribute S Grand Touring 2WD
|Tribute S Grand Touring 4WD
|Get Your Own Custom Quote Go
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in specific zip code location which can influence coverage rates noticeably.
The chart below demonstrates how deductible levels and can influence Mazda Tribute insurance costs for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Poor driving habits will raise your insurance rates
The example below illustrates how speeding tickets and fender-benders raise Mazda Tribute auto insurance costs for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Mazda Tribute insurance rates: Men versus women
The diagram below shows the difference between Mazda Tribute annual premium costs for male and female drivers. The data is based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Local insurance agents
Certain consumers would prefer to get advice from a local agent and often times that is recommended Licensed agents are highly skilled in risk management and help in the event of a claim. One of the benefits of price shopping on the web is the fact that drivers can get lower rates and still have an agent to talk to. Supporting small agencies is still important in Long Beach.
To make it easy to find an agent, after completing this simple form, your information is emailed to agents in your area who will return price quotes to get your business. It makes it easy because there is no need to contact an agency since price quotes are sent immediately to you. If you wish to get a comparison quote from a particular provider, don’t hesitate to go to their quote page and give them your coverage information.
If you’re trying to find a good insurance agency, it’s important to understand the different agency structures and how they work. Insurance agencies in Long Beach are considered either exclusive or independent (non-exclusive). Either one can write policy coverage, but it’s important to know how they differ because it can impact your agent selection.
Independent Auto Insurance Agencies
These type of agents do not write with just one company and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If they quote lower rates, they simply move the coverage in-house and you don’t have to switch agencies.
When comparing rates, you absolutely need to include a couple of independent agencies to get the most accurate price comparison. Many can place coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Featured below are independent agents in Long Beach that can possibly get you free auto insurance quotes.
- Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
- Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map
- Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map
Agents of this type generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so you might not find the best rates. They are highly trained on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agents in Long Beach who can help you get price quote information.
- Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 – View Map
- Von Arx, Jason – Farmers Insurance
400 Oceangate # 305 – Long Beach, CA 90802 – (562) 436-6801 – View Map
- Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819 – View Map
Picking the best insurance agent needs to be determined by more than just a cheap price quote. The answers to these questions are important, too.
- Do they make recommendations based only on price?
- Do they review policy coverages at every renewal?
- Will your rates increase after a single accident?
- Is assistance available after office hours?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is the agent and/or agency licensed to do business in California?
- If you are a high risk driver, do they have special markets for your coverage?
- How much can you save by raising your physical damage deductibles?
Which auto insurance company is best in California?
Picking the right insurance provider can be difficult considering how many different insurance companies sell coverage in Long Beach. The company rank data in the next section may help you select which car insurance providers to look at when looking for cheaper rates.
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 Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Having a good grasp of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision)
This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability auto insurance
Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/5 that means you have $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for claims like loss of income, legal defense fees, funeral expenses, structural damage and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but it’s recommended drivers buy higher limits.
The chart below demonstrates why buying the state minimum limits may not be adequate.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like scraping a guard rail, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible on your Tribute to save money on collision insurance.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses like X-ray expenses, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Mazda Tribute.
Because many people carry very low liability coverage limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liability limits.
Cover all your bases
In this article, we presented a lot of ways to reduce Mazda Tribute insurance rates online in Long Beach. The key concept to understand is the more you quote Long Beach auto insurance, the better your comparison will be. Drivers may even discover the biggest savings come from some of the lesser-known companies.
Cheap Mazda Tribute insurance in Long Beach is available both online and from local insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies may not provide the ability to get a quote online and usually these smaller providers only sell coverage through independent insurance agencies.
Insureds leave their current company for a variety of reasons including policy cancellation, not issuing a premium refund, extreme rates for teen drivers and even questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.
Steps to finding affordable quotes for Mazda Tribute insurance in Long Beach
If you want to find the absolute lowest rates, then the best way to get budget auto insurance rates in Long Beach is to regularly compare prices from providers who sell insurance in California. Rates can be compared by following these steps.
- First, try to learn a little about how companies price auto insurance and the measures you can control to prevent expensive coverage. Many factors that result in higher prices like careless driving and a less-than-favorable credit history can be remedied by improving your driving habits or financial responsibility.
- Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide price quotes from many different companies.
- Third, compare the new quotes to your existing coverage to determine if you can save on Tribute insurance. If you find a lower rate quote, make sure there is no lapse in coverage.
- Fourth, provide written notification to your current company to cancel your current coverage and submit a signed application and payment for your new coverage. Immediately keep the new certificate verifying coverage with your registration paperwork.
The key aspect of shopping around is that you use identical limits and deductibles on each quote and and to get rate quotes from as many carriers as you can. Doing this provides an accurate price comparison and a thorough selection of prices.
To learn more, feel free to browse the following helpful articles:
- Tools for Teen Driving Safety (State Farm)
- Who Has the Cheapest Long Beach Auto Insurance Quotes for a Ford Edge? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Auto Insurance for Good Students? (FAQ)
- Who Has Cheap Auto Insurance After a Speeding Ticket in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Over Age 70 in Long Beach? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Understanding Limits and Deductibles (Allstate)
- Your Car has been Stolen: Now What? (Allstate)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)