Do you want to learn how to find the cheapest insurance rates in Manhattan Beach, CA? Getting budget quotes over the internet is overwhelming for vehicle owners that are relatively new to comparison shopping over the internet. With such a large number of agents and companies competing online, how can Manhattan Beach drivers efficiently compare each option to find the best available price?
It's hard to fathom, but over 70% of consumers kept their coverage with the same insurance company for four years or more, and just short of a majority have never compared rates from other carriers. Consumers in Manhattan Beach can cut their rates by as much as 35% a year just by shopping around, but most undervalue how much they could save if they replace their high priced policy.
Smart consumers take time to get comparison quotes on a regular basis since prices change frequently. Just because you found the best deal on insurance six months ago other companies may now be cheaper. Ignore everything you know about insurance because you're about to learn the best way to eliminate unnecessary coverages and save money on insurance.
Quoting and comparing more affordable coverage in Manhattan Beach is simple if you know the tricks. In a nutshell, anyone who compares rate quotes for insurance will more than likely get a lower-priced policy. But California drivers should learn the way companies price online insurance because it varies considerably.
Take these nine policy discounts and save on car insurance
Car insurance is not inexpensive, but you can get discounts that many consumers don't even know exist. Many of these discounts will be applied automatically at quote time, but some may not be applied and must be specially asked for before you get the savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.
- Auto/Life Discount - Not all companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
- Club Memberships - Affiliation with qualifying employment or professional organizations could trigger savings on your next renewal.
- Telematics Devices - Insureds who allow their company to look at where and when they drive by using a small device installed in their vehicle such as State Farm's In-Drive might see lower rates if they have good driving habits.
- Military Rewards - Being on active deployment in the military may qualify for rate reductions.
- Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
- Early Signing - Some insurance companies reward drivers for signing up early. This discount can save up to 10%.
- Defensive Driver - Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
- Senior Citizen Rates - Seniors can possibly qualify for lower premium rates.
- Use Seat Belts - Using a seat belt and requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
You should keep in mind that some of the credits will not apply to the whole policy. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn't stay in business.
Some of the insurance companies that may include most of these discounts include:
It's a good idea to ask every company which discounts you may be entitled to. Depending on the company, some discounts might not be offered in every state. For a list of companies with discount car insurance rates in California, click here.
Many insurance companies like Allstate, GEICO and Progressive give coverage prices directly from their websites. Getting quotes doesn't take much effort as all you need to do is type in your required coverages as requested by the quote form. After the form is submitted, the system will obtain your driving and credit reports and provides a quote based on these and other factors.
Being able to quote online makes it easy to compare insurance prices and it is important to do this in order to find cheap prices.
To use this form to compare rates, compare quotes from the companies shown below. To compare your current rates, we recommend that you enter the limits and deductibles exactly as shown on your declarations page. This ensures you will receive a rate comparison for the exact same coverage.
The following companies provide comparison quotes in California. If you want to find the cheapest auto insurance in California, we suggest you compare several of them in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Extended Cab 4WD||$1,216||$608||$101|
|Dodge Ram Crew Cab Laramie 2WD||$1,788||$894||$149|
|Ford Escape XLS 2WD||$1,228||$614||$102|
|Ford F-150 XLT Regular Cab 4WD||$1,436||$718||$120|
|Ford Focus SEL 4-Dr Sedan||$1,600||$800||$133|
|GMC Sierra SLT Extended Cab 4WD||$1,490||$745||$124|
|Honda Accord EX-L 2-Dr Coupe||$1,334||$667||$111|
|Honda CR-V EX 4WD||$1,524||$762||$127|
|Honda Civic SI 4-Dr Sedan||$1,300||$650||$108|
|Hyundai Elantra SE 4-Dr Sedan||$1,236||$618||$103|
|Hyundai Sonata GLS 4-Dr Sedan||$1,652||$826||$138|
|Jeep Grand Cherokee Limited 4WD||$1,592||$796||$133|
|Mazda 3 S Grand Touring 4-Dr Hatchback||$1,450||$725||$121|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,102||$551||$92|
|Toyota Camry Hybrid||$1,486||$743||$124|
|Toyota Corolla LE||$1,638||$819||$137|
|Toyota Tacoma 2WD||$1,298||$649||$108|
|Volkswagen Jetta 2.0T Station Wagon||$1,174||$587||$98|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Manhattan Beach garaging location which can modify auto insurance rates greatly.
Higher deductibles lower rates
The illustration below highlights how deductible choice and can impact Ford Fusion insurance costs for each different age group. The costs are based on a married male driver, full coverage, and no discounts are applied to the premium.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
Analysis of deductible levels
When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The tables below outline the rate differences when you choose different deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$332||$564||$376||$22||$112||$1,431||$119|
|Escape XLS 4WD||$332||$564||$376||$22||$112||$1,431||$119|
|Escape XLT 2WD||$332||$564||$376||$22||$112||$1,431||$119|
|Escape Limited 2WD||$380||$564||$376||$22||$112||$1,479||$123|
|Escape XLT 4WD||$380||$564||$376||$22||$112||$1,479||$123|
|Escape Limited 4WD||$380||$686||$376||$22||$112||$1,601||$133|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$184||$298||$376||$22||$112||$992||$83|
|Escape XLS 4WD||$184||$298||$376||$22||$112||$992||$83|
|Escape XLT 2WD||$184||$298||$376||$22||$112||$992||$83|
|Escape Limited 2WD||$210||$298||$376||$22||$112||$1,018||$85|
|Escape XLT 4WD||$210||$298||$376||$22||$112||$1,018||$85|
|Escape Limited 4WD||$210||$362||$376||$22||$112||$1,082||$90|
|Get a Quote for Your Vehicle Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in your specific Manhattan Beach location which can change insurance rates substantially.
Based on these figures, using a $100 deductible costs about $38 more each month or $456 for a full year than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 24 months between claims, you would probably be better off if you opt for a higher deductible.
Calculate deductible break even point
|Average monthly premium for $100 deductibles:||$123|
|Average monthly premium for $1,000 deductibles (subtract):||- $85|
|Monthly savings from raising deductible:||$38|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $38|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||24 months|
Auto insurance premiums by gender
The example below illustrates the comparison of insurance costs for male and female drivers in Manhattan Beach. The prices are based on no claims or driving citations, full coverage, $100 deductibles, drivers are single, and no discounts are factored in on a Honda Pilot Touring.
Honda Pilot rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Insurance agent or online?
Certain consumers still prefer to have an agent's advice and that is not a bad decision One of the great benefits of comparing rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. Buying from small agencies is important particularly in Manhattan Beach.
For easy comparison, once you complete this quick form, your insurance coverage information is submitted to companies in Manhattan Beach who will give you bids for your car insurance coverage. It's much easier because you don't need to search for any insurance agencies due to the fact that quote results will go to your email. You can find the lowest rates without a big time investment. If you have a need to get a price quote from a specific insurance company, feel free to navigate to their website and fill out the quote form the provide.
Is an exclusive or independent auto insurance agent right for you?
If you want to use a reputable agency, you must know there are a couple different agency structures that you can choose from. Car insurance agents are classified as either independent agents or exclusive agents.
Independent Agencies or Brokers
These type of agents do not sell for just one brand so they can write business through many different car insurance companies and find you the best rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don't have to do anything.
When comparing car insurance rates, you definitely need to get insurance quotes from several independent agencies for maximum quote selection. Many can place coverage with small regional insurance companies that may have much lower rates than larger companies.
Exclusive Insurance Agencies
Exclusive agents can only provide one company's prices like AAA, Allstate, and State Farm. These agents are not able to compare other company's rates so always compare other rates. These agents receive a lot of sales training on their company's products which aids in selling service over price. Consumers frequently choose to use an exclusive agent partially due to high brand loyalty rather than having the cheapest rates.
Finding a good insurance agent is decision based upon more than just a low price. The answers to these questions are important, too.
- What is the agency's Better Business Bureau rating?
- How would your car be valued if totalled?
- Do they receive special compensation for putting your coverage with one company over another?
- Are they properly licensed to sell insurance in California?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they have cheaper tiers of coverage?
If you feel you receive good responses and an acceptable price quote, you have narrowed it down to an insurance agency that can be relied on to service your policy. But remember, you have the power to cancel coverage any time you want so never assume you are locked into a specific company for a certain time period.
Here's why car insurance is not optional
Despite the potentially high cost of car insurance, buying car insurance may be required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance in order to get the vehicle licensed. 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 car has a lienholder, most banks will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
Third, car insurance protects both your assets and your car. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. According to a 2015 survey, the average American driver is currently overpaying as much as $750 every year so compare rate quotes at every renewal to save money.
What car insurance coverages do you need?
Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Protection from uninsured/underinsured drivers
This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.
Since many California drivers have only the minimum liability required by law (15/30/5 in California), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liability limits.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like theft, vandalism, hitting a bird, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Collision coverage protection
This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sideswiping another vehicle, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Coverage for liability
Liability coverage will cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like emergency aid, repair bills for other people's vehicles, court costs, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, pain medications, funeral costs, surgery and chiropractic care. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Get the best coverage at the lowest price
Some insurance providers don't offer rates over the internet and most of the time these smaller providers only sell coverage through local independent agents. Lower-priced insurance in Manhattan Beach can be bought on the web as well as from insurance agents, so you need to compare both to have the best rate selection.
As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at the best cost while still protecting your assets.
Drivers switch companies for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, delays in responding to claim requests and even poor customer service. No matter why you want to switch, finding the right insurance provider is pretty simple and you could end up saving a buck or two.
Even more information is available in the articles below:
- Uninsured Motorist Statistics (Insurance Information Institute)
- What is the Best Auto Insurance in Riverside, CA? (FAQ)
- Who Has Affordable California Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Which Company has the Cheapest Car Insurance in Los Angeles, CA? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)