The recommended way to find cheaper quotes for car insurance rates in Long Beach is to do an annual price comparison from companies who can sell car insurance in California. Prices can be compared by following these guidelines.
- Spend some time learning about individual coverages and the factors you can control to keep rates down. Many policy risk factors that cause rate increases such as tickets, at-fault accidents, and a less-than-favorable credit history can be controlled by making small lifestyle or driving habit changes. Later in this article we will cover additional ideas to get cheaper coverage and get additional discounts.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide prices from many different companies.
- Compare the price quotes to your existing rates to see if you can save by switching companies. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide written notification to your current company of your intent to cancel the current policy. Submit a down payment along with a completed application to your new insurance company. Once coverage is bound, keep the new proof of insurance paperwork with your registration paperwork.
The key aspect of shopping around is that you’ll want to compare identical deductibles and limits on each quote and and to analyze as many different companies as possible. This guarantees a fair rate comparison and a thorough price selection.
Amazingly, a recent NerdWallet.com study showed that the majority of drivers have been with the same company for well over three years, and 38% of customers have never compared quotes from other companies. Drivers in California could save an average of almost 35% each year by just comparing rate quotes, but they don’t invest the time required to compare rates and save money.
If you’re already insured or just want to save money, follow these tips to find better prices and still get good coverage. Quoting and comparing the best policy in Long Beach is not as confusing as people think. Shoppers just need to learn the proper methods to compare price quotes from many different companies.
Cheap Acura insurance price quotes in Long Beach
The companies shown below are our best choices to provide free rate quotes in California. If multiple companies are listed, we recommend you compare several of them to get the most affordable price.
Acura ZDX coverage statistics
The coverage information displayed next highlights different insurance costs for Acura ZDX models. Having knowledge of how auto insurance premiums are calculated is important for drivers to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| ZDX AWD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| ZDX Advance Package AWD | $266 | $510 | $456 | $26 | $136 | $1,394 | $116 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can impact price quotes noticeably.
Higher deductibles save money
When buying insurance, a common question is where to set your physical damage deductibles. The comparisons below can help you understand the rate differences when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| ZDX AWD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| ZDX Advance Package AWD | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| ZDX AWD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| ZDX Advance Package AWD | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in Long Beach location which can influence rates considerably.
We can derive from the above data that using a $100 deductible will cost you approximately $60 more each month or $720 each year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 15 months between claims, you would save more money if you elect the higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $177 |
| Average monthly premium for $1,000 deductibles (subtract): | – $117 |
| Monthly savings from raising deductible: | $60 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $60 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important caveat is that raising deductibles means you will have to pay more when you have to file a claim. You need some available funds in the event you have to pay the higher deductible.
Lower the Price of Insurance with These Tips
Multiple criteria are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are less obvious like your vehicle usage or your commute time. When buying insurance it’s important to understand the rating factors that aid in calculating the rates you pay for insurance. If you have some idea of what determines premiums, this enables informed choices that may reward you with big savings.
Listed below are some of the most common factors used by companies to determine your rate level.
Prevent theft and reduce prices – Owning a car that has a built-in theft deterrent system can help bring down rates. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.
Low physical damage deductibles mean high prices – Comprehensive and collision coverage deductibles are the amount of money you are required to spend in the event of a claim. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Examples of some claims that would be covered are a windshield broken by a bird, fire damage, and damage from wind. The more the insured is willing to pay, the better rate you will receive.
Compare rates if you consolidate your policies – Some insurers afford lower prices to buyers who have multiple policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other Long Beach ZDX insurance rates to verify if the discount is saving money. You may still be able to save even more than the discount by insuring with multiple companies.
Teenage vs. older drivers – Youthful drivers in California are statistically shown to be inattentive in a vehicle so they pay higher insurance rates. Having to add a youthful driver to your policy can break the bank. Older drivers are more cautious drivers, file fewer claims, and usually have better credit.
The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Better insurance rates on cars with good safety ratings – Cars with high safety ratings can get you lower premiums. Safer cars reduce occupant injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
Small coverages can add up – There are a ton of extra bells and whistles you can purchase on your ZDX policy. Coverages like vanishing deductibles, accident forgiveness, and term life insurance are some examples. They may seem good when discussing your needs, but if they’re wasting money remove them and pocket the money.
Lower your auto insurance rates with discounts
Not too many consumers would say auto insurance is affordable, but there could be available discounts that you may not even know about. Some discounts will apply when you complete an application, but less common discounts must be inquired about before you will receive the discount.
- Defensive Driver – Taking a class that teaches defensive driving techniques could cut 5% off your bill and easily pay for the cost of the class.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.
- Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote Long Beach car insurance depending on your company.
- Professional Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount on your next renewal.
You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will positively reduce your auto insurance premiums.
The diagram below shows the comparison of Acura ZDX insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.
To choose companies that provide some of the discounts listed above in California, click this link.
Local Long Beach insurance agencies
Many drivers just want to have an agent’s advice and we recommend doing that Good agents will help you protect your assets and help you file claims. The best thing about comparing insurance prices online is the fact that drivers can get cheap auto insurance quotes but also keep your business local.
After completing this simple form, your insurance data is submitted to participating agents in Long Beach who can give free rate quotes for your auto insurance coverage. You don’t have to search for an agent as quotes are delivered to you instantly. If you have a need to get a comparison quote from a particular provider, just find their quoting web page and complete a quote there.
Deciding on an company requires more thought than just the quoted price. The questions below may impact your decision as well.
- How many companies do they write for?
- How experienced are they in personal risk management?
- Can you contact them at any time?
- Can they help ensure a fair claim settlement?
- Can you choose the body shop in case repairs are needed?
- Which members of your family are coverage by the policy?
- Do the companies they represent have a solid financial rating?
- Will their companies depreciate repairs to your car based on the mileage?
Exclusive and independent Long Beach auto insurance agents
If you’re trying to find a local Long Beach insurance agency, you need to know there are two different types of agents and how they can write your policy. Agents in Long Beach are either independent agents or exclusive agents. Either type can do a good job, but it’s a good idea to understand how they are different because it can influence the selection process.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only provide one company’s prices and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company’s rates so they are skilled at selling on more than just price. They are usually well trained on what they offer which helps them compete with independent agents. Drivers often use the same exclusive agent primarily because of the brand and the convenience of having a single billing for all their coverages.
Listed below are Long Beach exclusive agents that can give you price quotes.
- Peter Chai – State Farm Insurance Agent
3253 E South St #103 – Long Beach, CA 90805 – (562) 634-2000 – View Map - Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819 – View Map - Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 – View Map
Independent Agents
Agents that choose to be independent can sell policies from many different companies so they have the ability to put coverage through many companies enabling the ability to shop coverage around. If premiums increase, they simply switch companies in-house and you don’t have to switch agencies. If you are comparing rate quotes, it’s a good idea to get quotes from independent agents for the best price selection. A lot of them also have access to additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below is a list of independent agencies in Long Beach who can help you get price quote information.
- Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map - Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map
One last thing to lower rates
Cost effective Acura ZDX insurance is available from both online companies and from local agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide rates over the internet and many times these small insurance companies work with independent agents.
Drivers leave their current company for any number of reasons including delays in paying claims, being labeled a high risk driver, high rates after DUI convictions or extreme rates for teen drivers. No matter why you want to switch, finding a great new company is less work than it seems.
When shopping online for car insurance, never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced collision coverage only to discover later that it was a big mistake. Your focus should be to get the best coverage possible for the lowest cost, but do not skimp to save money.
More detailed car insurance information can be read in the articles below:
- Liability Insurance Coverage (Nationwide)
- Who Has the Cheapest Auto Insurance Rates for a Toyota 4Runner in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Quotes for Good Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance for a Chevrolet Silverado in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Toyota RAV4 in Long Beach? (FAQ)
- Safety Belts FAQ (iihs.org)
- Teen Driving and Texting (State Farm)
- Auto Crash Statistics (Insurance Information Institute)