There isn't anyone who looks forward to paying for car insurance, particularly when the prices are way too high.

Surprisingly, a recent survey revealed that a large majority of drivers have bought car insurance from the same company for a minimum of four years, and almost 40% of drivers have never compared rates to find lower-cost insurance. California drivers could save 35% a year just by shopping around, but they don't believe the amount of savings they would get if they moved their coverage to a different company.

Because you have many choices of insurance companies, it's difficult to find the cheapest insurer.

The are a couple different ways to compare prices from companies that offer car insurance in California. One of the best ways to do a complete rate comparison involves getting comparison quotes online.

It's so fast and easy to compare price quotes online that it makes it a waste of time to spend your day driving to insurance agents' offices. Quoting car insurance online can eliminate the need for a local agent unless you want the extra assistance that only an agent can give. However, consumers can get the lowest quotes online but buy from a local Long Beach insurance agent. When comparing car insurance rates, know that quoting more will enable you to find more affordable insurance.

The companies shown below can provide price quotes in California. To locate the best cheap car insurance in CA, we recommend you compare several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Long Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,106 $553 $92
Chevrolet Silverado LS Regular Cab 2WD $1,402 $701 $117
Dodge Grand Caravan CV $1,244 $622 $104
Dodge Ram Quad Cab Laramie 2WD $1,372 $686 $114
Ford Escape XLS 2WD $1,174 $587 $98
Ford F-150 XLT Regular Cab 4WD $992 $496 $83
Ford Focus SES 2-Dr Coupe $1,332 $666 $111
Ford Fusion Hybrid 4-Dr Sedan $1,470 $735 $123
Honda Accord EX 4-Dr Sedan $1,602 $801 $134
Honda CR-V EX-L 4WD $1,170 $585 $98
Honda Civic LX-S 4-Dr Sedan $1,380 $690 $115
Honda Odyssey EX-L W/Rear Entertainment $1,080 $540 $90
Hyundai Elantra SE Touring Station Wagon $1,252 $626 $104
Hyundai Sonata Limited 4-Dr Sedan $1,528 $764 $127
Mazda 3 I Touring 4-Dr Sedan $1,422 $711 $119
Nissan Altima 3.5 SR 4-Dr Sedan $1,124 $562 $94
Nissan Rogue SL 2WD $1,262 $631 $105
Toyota Camry LE $1,026 $513 $86
Toyota Corolla XRS $1,252 $626 $104
Volkswagen Jetta SEL 4-Dr Sedan $1,302 $651 $109
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific Long Beach garaging location which can raise or lower prices greatly.

Rate comparison for different deductibles

The illustration below illustrates how choosing a deductible and can affect Ford Fusion insurance rates for each age group. The rate quotes are based on a married male driver, full coverage, and no discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower-cost Long Beach auto insurance rates with discounts

Some companies don't list the entire discount list in a way that's easy to find, so the following is a list of some of the best known as well as the least known credits that may apply to you. If you are not receiving all the discounts you deserve, you could be getting lower rates.Auto insurance discounts

A quick disclaimer, many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, it doesn't quite work that way. Any amount of discount will cut the cost of your policy.

A few popular companies and their possible discounts are included below.

Check with each company or agent which credits you are entitled to. A few discounts might not be offered on policies in every state.

Independent versus exclusive car insurance agents

Some consumers would rather talk to an insurance agent and that is a smart decision A nice benefit of comparing insurance prices online is you may find lower rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Long Beach.

To make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to agents in your area who will give you quotes for your business. You don't have to do any legwork since price quotes are sent directly to you. You'll get the best rates without requiring a lot of work. If you need to get a rate quote from one company in particular, feel free to navigate to their website and give them your coverage information.

Different types of Long Beach auto insurance agents

If you are searching for a local Long Beach insurance agency, it's helpful to know the types of insurance agents and how they can quote your rates. Agencies in Long Beach are classified as either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents of this type are not required to write business for one company and that enables them to quote your coverage through many different auto insurance companies and find you the best rates. If they find a lower price, they simply move your policy to a different company and you don't have to find a new agent. When comparing rate quotes, it's a good idea to get several quotes from multiple independent agents to have the most options to choose from.

Featured below are Long Beach independent insurance agents that can give you price quotes.

5175 E Pacific Coast Hwy #304 - Long Beach, CA 90804 - (562) 735-3125 - View Map

2411 E Anaheim St - Long Beach, CA 90804 - (562) 438-7000 - View Map

4401 Atlantic Ave #214 - Long Beach, CA 90807 - (562) 548-7488 - View Map

More Long Beach agents

Exclusive Agencies

Agents in the exclusive channel write business for a single company like Farmers Insurance or State Farm. Exclusive agencies are unable to shop your coverage around so keep that in mind. Exclusive agents receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive agencies in Long Beach willing to provide comparison quotes.

740 E Wardlow Rd - Long Beach, CA 90807 - (562) 290-0338 - View Map

5000 E Spring St Ste 390 - Long Beach, CA 90815 - (562) 425-5109 - View Map

4510 Pacific Coast Hwy #340 - Long Beach, CA 90804 - (562) 597-2371 - View Map

More Long Beach agents

Picking an insurance agent needs to be determined by more than just a cheap price. The following questions are important to ask.

Smart consumers know how to buy auto insurance at a discount

Many factors are used when you get your auto insurance bill. Some factors are common sense such as your driving history, but others are more obscure like where you live or your commute time.

Best reasons to buy insurance in California

Even though it's not necessarily cheap to insure a vehicle in Long Beach, paying for insurance may be required for several reasons.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you don't want to risk a ticket. 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.

Second, if your vehicle has a lienholder, it's most likely the lender will require you to buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle for a lot more money and force you to pay for it.

Third, insurance protects your vehicle and your assets. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, your insurance policy will pay to have it repaired.

The benefits of buying insurance more than offset the price you pay, particularly for liability claims. As of last year, the average driver in California is wasting up to $700 annually so compare quotes from several companies at least once a year to ensure rates are inline.

Persistent drivers can save

While you're price shopping online, you should never sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best cost while still protecting your assets.

We just presented many tips how you can lower your auto insurance car insurance rates in Long Beach. It's most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from a company that doesn't do a lot of advertising. Some small companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

Budget-friendly auto insurance in Long Beach can be purchased online as well as from independent agents in Long Beach, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online quoting and most of the time these small, regional companies prefer to sell through local independent agencies.

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