Looking for lower-priced auto insurance rates in Beaumont, CA? Beaumont drivers have lots of choices when trying to find affordable car insurance. You can either waste hours driving around trying to get quotes or save time using the internet to get rate quotes.

There is a better way to find auto insurance online and you need to know the absolute fastest way to price shop coverage for a and locate the cheapest rates from Beaumont insurance agents and online providers.

Do you qualify for discounts on car insurance?

Some companies don't list every discount they offer in a way that's easy to find, so the list below contains a few of the more well known and the harder-to-find discounts that you may qualify for.Save money with discounts

You can save money using discounts, but many deductions do not apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. Despite the appearance that it's possible to get free car insurance, insurance companies wouldn't stay in business.

Companies and a partial list of their discounts are outlined below.

Before buying, ask each insurance company which discounts can lower your rates. Some discounts listed above might not be offered in Beaumont. If you would like to choose from a list of insurers who offer car insurance discounts in California, click here.

Most companies such as Allstate and Progressive allow you to get prices online. Obtaining pricing doesn't take a lot of time as you just type in the coverages you want into the form. Once you submit the form, their quoting system will obtain your driving and credit reports and generates pricing information based on the information you submitted.

The ability to get online quotes makes it easy to compare insurance prices and it's very important to perform this step if you are searching for the best rate.

To compare rates now, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you type in the limits and deductibles exactly as they are listed on your policy. This way, you're receiving rate comparison quotes for similar coverage.

The car insurance companies shown below provide price comparisons in California. To buy the best cheap auto insurance in California, we suggest you visit as many as you can to get the best price comparison.

Insurance Costs for Popular Vehicles in Beaumont
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $1,664 $832 $139
Dodge Grand Caravan SXT $1,604 $802 $134
Dodge Ram Quad Cab ST 2WD $1,494 $747 $125
Ford Edge Sport 2WD $1,280 $640 $107
Ford Escape XLS 4WD $1,290 $645 $108
Ford F-150 Lariat Crew Cab 4WD $1,192 $596 $99
Ford Focus S 4-Dr Sedan $1,358 $679 $113
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V EX 4WD $1,524 $762 $127
Honda Civic Hybrid 4-Dr Sedan $1,490 $745 $124
Hyundai Elantra GLS 4-Dr Sedan $1,418 $709 $118
Nissan Altima Hybrid 4-Dr Sedan $1,648 $824 $137
Nissan Rogue SL AWD $1,516 $758 $126
Toyota Camry SE $1,404 $702 $117
Toyota Corolla XRS $1,626 $813 $136
Toyota Prius $1,826 $913 $152
Toyota RAV4 Limited 4WD $1,372 $686 $114
Toyota Tacoma X-Runner 2WD $1,482 $741 $124
Get Your Own Custom Quote Go

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in garaging location in Beaumont which can modify prices noticeably.

Insurance rates by gender in Beaumont

The diagram below illustrates the difference between yearly insurance costs for male and female drivers in Beaumont. The premium estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration on a Hyundai Elantra GLS Touring.

Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Insurance rate increases from tickets or accidents

The chart below illustrates how traffic citations and accidents can increase GMC Acadia yearly insurance costs for different insured age categories. The premiums are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

What determines insurance prices?

A large part of saving on insurance is knowing some of the things that help determine your premiums. When you know what positively or negatively controls the rates you pay, this enables informed choices that may reward you with lower insurance prices. Many things are used when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are more obscure such as your marital status or how safe your car is.

The list below includes some of the most rate-impacting factors used by your company to calculate premiums.

Get rate quotes but work with a local Beaumont insurance agency

Some consumers just prefer to visit with an insurance agent and doing so can bring peace of mind Professional insurance agents are trained risk managers and help file insurance claims. An additional benefit of comparing rate quotes online is you may find the best rates and still buy from a local agent. And buying from small agencies is especially important in Beaumont.

Insurance agents in BeaumontAfter completing this short form, your insurance data is sent to local insurance agents who will give you quotes to get your business. You won't need to find an agent as quotes are delivered directly to you. If you need to get a comparison quote for a specific company, don't hesitate to find their quoting web page and give them your coverage information.

If you want to buy insurance from a reliable agent, you need to know there are two different agency structures from which to choose. Agencies in Beaumont can be described as either exclusive or independent (non-exclusive). Both types of agents can do a good job, but it's good to learn the differences since it can affect your selection of an agent.

Independent Agencies or Brokers

Independent insurance agents can quote rates with many companies and that is an advantage because they can write policies with multiple insurance companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier and you can keep the same agent.

When comparing insurance prices, we recommend you get some free quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with additional companies that you may not be familiar with which may have better rates.

Exclusive Insurance Agencies

These agents have only one company to place business with such as State Farm, AAA, Farmers Insurance or Allstate. They are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on what they offer which helps them sell on service rather than price. Some insured continue to use the same agent partially due to the brand and strong financial ratings.

Selecting a insurance agency should depend on more than just the bottom line cost. Below are some questions you should ask.

Insurance is not optional but you don't have to overpay

Despite the high cost of buying insurance in Beaumont, buying insurance is a good idea for several reasons.

The benefits of insuring your vehicle are without a doubt worth the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays more than $820 a year so it's recommended you shop around at every renewal to ensure rates are competitive.

Vehicle claim statistics

Which are the best vehicles for low claims? The statistics below list the highest and lowest models for likelihood of having large claims for each type of coverage.

Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford Edge Maserati Ghibli
Ford F-150 SuperCrew Maserati Granturismo
Mini Cooper Audi RS7
Ford F-250 SuperCab Nissan GT-R
Chevrolet Colorado BMW M6
Smart ForTwo Bentley Continental Flying Spur

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 BMW M6
Volvo V60 Maserati Quattroporte
Infiniti QX50 Audi S7
Chevy Spark Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GTC
Ford F-350 Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Chevrolet Spark
Ford Expedition Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage
Ford F-250 SuperCrew Kia Forte
Ford F-350 SuperCrew Hyundai Accent
Land Rover Range Rover Sport Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Mitsubishi Lancer
Audi A6 Hyndai Accent
Volvo XC60 Chrysler 200
Acura MDX Mitsubishi Mirage
Fiat 500 Dodge Charger
Chevrolet Corvette Chevrolet Cruze

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

One last thing to lower rates

Consumers leave their current company for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, denial of a claim or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new insurance company is easier than you think.

When getting Beaumont auto insurance quotes online, you should never buy less coverage just to save a little money. There are too many instances where drivers have reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best price.

Lower-priced insurance in Beaumont is attainable online in addition to local insurance agencies, so you need to quote Beaumont auto insurance with both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get quotes online and most of the time these regional carriers only sell coverage through independent insurance agencies.

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