Cheapest Toyota Avalon Insurance in Long Beach

Insurance for Toyota AvalonSurprisingly, a recent survey revealed that almost 70% of insureds in California have stayed with the same insurance company for well over three years, and approximately 38% of consumers have never compared rates from other carriers. U.S. drivers could cut their rates by $850 a year, but they just don’t understand how much savings they would realize if they changed companies.

The most effective way to find more affordable car insurance rates in Long Beach is to make a habit of regularly comparing prices from companies who provide auto insurance in California.

  1. It will benefit you to learn about individual coverages and the things you can control to prevent high rates. Many policy risk factors that cause rate increases like inattentive driving and an imperfect credit history can be controlled by making minor changes in your lifestyle. This article provides the details to prevent high prices and get additional discounts that may have been overlooked.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agents can quote prices for many different companies.
  3. Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.
  4. Provide written notification to your current company of your intent to cancel your current policy and submit any necessary down payment along with the completed application for your new coverage. Once the application is submitted, put the certificate verifying coverage with your vehicle’s registration.

One piece of advice is to use identical coverages on every quote request and and to get rate quotes from as many companies as you can. This guarantees a level playing field and the best rate selection.

The companies in the list below provide free quotes in California. To locate cheaper auto insurance in Long Beach, we suggest you visit several of them to get the most competitive price.

Discounts can help lower premiums on Toyota Avalon insurance in Long Beach

Car insurance is not inexpensive, but companies offer discounts that many consumers don’t even know exist. Certain discounts will be applied when you quote, but some must be specifically requested in order for you to get them.Car insurance discounts

Please keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.

The example below visualizes the comparison of Toyota Avalon premium costs with and without discounts applied to the rates. The data assumes a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.

A few of the larger companies and some of their more popular discounts are included below.

When comparing rates, check with all the companies the best way to save money. All car insurance discounts may not apply to policyholders in Long Beach. For a list of insurers that can offer you the previously mentioned discounts in Long Beach, click this link.

Premium rates and analysis

The premium information displayed below outlines different rate quotes for Toyota Avalon models. Learning more about how rates are calculated helps drivers make decisions when shopping your coverage around.

Toyota Avalon Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $300 $490 $360 $22 $108 $1,280 $107
Avalon XLS $300 $576 $360 $22 $108 $1,366 $114
Avalon Limited $334 $576 $360 $22 $108 $1,400 $117
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in garaging location in Long Beach which can revise insurance rates noticeably.

Should you raise deductibles?

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The figures shown below show how much more rates are when you choose different policy deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $500 deductible.

Toyota Avalon insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $386 $576 $376 $22 $112 $1,497 $125
Avalon XLS $386 $678 $376 $22 $112 $1,599 $133
Avalon Limited $430 $678 $376 $22 $112 $1,643 $137
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Toyota Avalon insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $314 $464 $376 $22 $112 $1,288 $107
Avalon XLS $314 $546 $376 $22 $112 $1,370 $114
Avalon Limited $348 $546 $376 $22 $112 $1,404 $117
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in garaging location in Long Beach which can lower or raise premiums considerably.

Based on the figures above, using a $250 deductible will cost you about $19 more each month or $228 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 13 months between claim filings, you would most likely save money if you decide on a higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $132
Average monthly premium for $500 deductibles (subtract): – $113
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

How accidents and tickets impact rates

The diagram below illustrates how speeding tickets and fender-benders influence Toyota Avalon yearly insurance costs for different categories of driver ages. The prices are based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.

Do you need full coverage?

The diagram below illustrates the comparison of Toyota Avalon insurance rates with and without full coverage. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no clear-cut rule to drop full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Toyota Avalon replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your deductible. If premium cost is more than $600 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Lower Your Long Beach Insurance Costs

Part of the car insurance buying process is learning some of the elements that help determine the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower premium levels.

The items below are some of the things used by your company to calculate prices.

Do you qualify for a multi-policy discount? – The majority of insurers will give a discount to people who buy several policies from them in the form of a multi-policy discount. This can amount to ten percent or more. Even though this discount sounds good, you still need to compare other company rates to ensure the best deal.

Big city or small town – Living in small towns and rural areas has definite advantages when shopping for auto insurance. Residents of big cities regularly have traffic congestion and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.

Are you male or female? – The statistics show that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Females and males are in accidents at about the same rate, but the males tend to have more serious accidents. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

The chart below shows the comparison of Toyota Avalon insurance rates for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Do you save by driving less? – The more you drive your Toyota each year the more it will cost to insure it. Most companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. Improper usage on your Avalon may be costing you higher rates. Double check that your car insurance policy is showing the correct driver usage.

Better credit means lower premiums – Having a bad credit history is a big factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could potentially save money when insuring your Toyota Avalon by repairing your credit. Drivers with good credit tend to be less risk to insure than drivers with poor credit scores.

Toyota Avalon insurance claim data – Insurance companies include the past claim history for a vehicle to help set a rate to offset losses. Models that the data shows to have higher frequency or amount of claims will cost more for coverage. The table shown below demonstrates the historical loss data for Toyota Avalon vehicles.

For each coverage type, the claim probability for all vehicles as a whole is represented as 100. Percentage values below 100 suggest a better than average loss history, while values that are above 100 indicate more frequent losses or an increased likelihood of larger losses.

Toyota Avalon Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Avalon 113 72 112 106 98 74
Toyota Avalon Hybrid 120 72 132 107 85 80

Statistics from for 2013-2015 Model Years