Regrettably, most consumers have remained with the same car insurance company for over three years, and practically 40% of car insurance customers have never even compared quotes to find lower-cost rates. Long Beach consumers could save an average of about $469 each year just by comparing rates, but they just don’t want to compare rates.
The easiest way to find better pricing on Nissan Quest insurance in Long Beach is to make a habit of regularly comparing prices from different companies that sell auto insurance in California.
First, learn about the different coverages in a policy and the changes you can make to prevent rate increases. Many rating criteria that are responsible for high rates like inattentive driving and an imperfect credit history can be amended by making lifestyle changes or driving safer.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from multiple companies.
Third, compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Long Beach. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
A valuable tip to remember is to use identical coverage information on every price quote and and to get price quotes from as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and and a good selection of different prices.
Best companies for competitive Nissan Quest insurance in California
The auto insurance companies shown below have been selected to offer free rate quotes in Long Beach, CA. To get the best cheap auto insurance in California, we suggest you visit two to three different companies in order to find the lowest rates.
Affordable rates by taking advantage of these nine discounts
Some insurance providers don’t always list every discount available in an easy-to-find place, so we took the time to find some of the best known and also the more inconspicuous credits available to bring down your rates. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Save with a New Car – Insuring a new Quest can save up to 30% because newer vehicles keep occupants safer.
- Theft Deterrent – Cars and trucks with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Long Beach car insurance quote.
- Accident Forgiveness Coverage – Not really a discount, but some insurance companies permit an accident without getting socked with a rate hike so long as you are claim-free before the accident.
- Telematics Discount – People who choose to allow driving data collection to monitor driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
- Own a Home and Save – Simply owning a home can get you a discount because owning a home shows financial diligence.
- Renewal Discounts – Select companies give a discount for switching policies prior to your current Quest insurance policy expiring. You may see this discount when you get Long Beach car insurance quotes online.
- Multi-policy Discount – If you combine your home and auto policies and insure them both with the same insurance company you may save up to 20% off your total Quest insurance premium.
- Claim-Free Discount – Good drivers with no accidents get the best auto insurance rates when compared with bad drivers.
- E-sign – Some insurance companies provide a small discount for buying a policy and signing up on the web.
Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it’s just not the way it works.
If you would like to choose from a list of companies with significant discounts in Long Beach, click this link.
There’s no such thing as the perfect insurance policy
Keep in mind that when it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and your insurance should unique, too. For example, these questions can help discover if your situation might need an agent’s assistance.
- Can I afford to pay high deductible claims out of pocket?
- How much can I save by bundling my policies?
- Do I pay less if my vehicle is kept in my garage?
- Is my Nissan Quest covered for flood damage?
- Where can I find high-risk insurance?
- Do I need PIP (personal injury protection) coverage in California?
- Do I need to file an SR-22 for a DUI in California?
- How long can I keep a teen driver on my policy?
- Do all my vehicles need collision coverage?
- Which companies are cheaper for teen drivers?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Shop online but buy locally
A lot of people just want to sit down and talk to an agent and that is a personal choice. Experienced insurance agents are trained risk managers and give you someone to call. A nice benefit of comparing rate quotes online is you may find better rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is important particularly in Long Beach.
By using this quick form, the quote information is submitted to insurance agents in Long Beach who will return price quotes for your coverage. There is no reason to find an agent due to the fact that quote results will go to you. If you have a need to quote rates from a specific insurance provider, don’t hesitate to go to their quote page and fill out the quote form the provide.
When researching a local agent, you should know the types of insurance agents that you can select. Insurance agencies can either be independent agents or exclusive agents depending on their employer. Either one can sell and service insurance coverage, but it is a good idea to know the difference in how they write coverage because it can impact buying decisions.
Independent Insurance Agencies or Brokers
Agents of this type are not locked into one company and that allows them to write policies amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they can switch companies in-house and that require little work on your part.
If you are trying to find cheaper rates, you definitely need to get quotes from independent agents to have the most options to choose from. Many can place coverage with additional companies that you may not be familiar with which may have better rates.
Shown below is a list of independent agents in Long Beach that may be able to give free insurance rate quotes.
- Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
- Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
- Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents work for only one company like Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives primarily because of the prominent brand name rather than having low rates.
Below is a short list of exclusive insurance agencies in Long Beach willing to provide price quotes.
- Susie Atwood – State Farm Insurance Agent
5624 E 2nd St – Long Beach, CA 90803 – (562) 434-5729 – View Map
- Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map
- Allstate Insurance: Brenda Soto Bryan
4202 Atlantic Ave Ste 201 – Long Beach, CA 90807 – (562) 426-1752 – View Map
Choosing a auto insurance agent shouldn’t rely on just the premium amount. These are some valid questions you should ask.
- Do they regularly work with personal auto policies in Long Beach?
- Can you choose the body shop in case repairs are needed?
- Where would glass claims be handled in Long Beach?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will they give you a referral list?
- Are there any discounts for paying up front?
Auto insurance policy coverages for a Nissan Quest
Understanding the coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from auto insurance companies.
Comprehensive or Other Than Collision
Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as theft, damage from flooding, a tree branch falling on your vehicle, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability car insurance
This coverage will cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as funeral expenses, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.
The illustration below demonstrates why buying minimum limits may not provide you with enough coverage.
Auto collision coverage
This coverage covers damage to your Quest resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible on your Quest in order to get cheaper collision rates.
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Quest.
Since many California drivers have only the minimum liability required by law (which is 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Medical costs insurance
Coverage for medical payments and/or PIP kick in for bills for things like prosthetic devices, EMT expenses, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
What is YOUR best insurance company?
When buying insurance coverage, never reduce needed coverages to save money. There have been many situations where someone dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The goal is to find the BEST coverage at the best cost, not the least amount of coverage.
Throughout this article, we presented many tips how you can shop for Nissan Quest insurance online. The most important thing to understand is the more companies you get prices for, the better likelihood of getting low cost Long Beach car insurance quotes. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.
More information can be found on the following sites:
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)