Finding cost effective auto insurance is challenging, and determining which company has the best auto insurance rates for used cars calls for even more perseverance. Each company uses their own method for determining prices, so we’ll take a look at the auto insurance companies that tend to be cheaper in Long Beach, CA.
It’s important that readers know that Long Beach, CA auto insurance rates are based on many factors that will increase or decrease the cost of coverage. Simply getting older, buying another vehicle, or getting caught speeding can trigger price changes that may make certain companies more expensive than competitors.
Best Insurance Companies for Used Cars
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | GEICO | $1,513 |
| 11 | Mercury | $1,533 |
| 12 | Allied | $1,556 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the lowest car insurance rates in Long Beach at around $1,121 each year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also rank well as some of the best Long Beach, CA auto insurance companies.
As shown in the table above, if you currently have coverage with CSAA and switched to Wawanesa, you might realize an annual premium reduction of upwards of $77. Customers with 21st Century could save as much as $168 a year, and Grange customers might lower prices by $276 a year.
Be aware that those policy prices are averages for all drivers and vehicles in California and and are not figured with an exact vehicle garaging location for used cars. So the car insurance company that has the cheapest price for you may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
The vehicle model that needs insurance is one of the largest considerations when shopping around for cheap car insurance for used cars. Vehicles with high performance, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more modest models. The list below showcases car insurance costs for a selection of the cheapest vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,120 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,163 |
| Toyota Prius | $1,240 |
| Chevrolet Impala LS | $1,300 |
| Ford Focus SE 4-Dr Sedan | $1,307 |
| Ford Escape XLT 4WD | $1,312 |
| Ford F-150 FX4 Super Cab 4WD | $1,350 |
| Dodge Grand Caravan SXT | $1,360 |
| Honda Accord LX-P 4-Dr Sedan | $1,375 |
| Honda CR-V EX-L 2WD | $1,406 |
| Honda Civic SI 4-Dr Sedan | $1,463 |
| Toyota RAV4 Limited 2WD | $1,519 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,540 |
| Compare Rates Now Go | |
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in Long Beach, CA which can affect coverage prices substantially.
Looking at the rates, you can figure that makes and models like the Hyundai Elantra, Jeep Wrangler, Toyota Prius, and Chevrolet Impala are most likely going to be the most budget-friendly vehicles to insure for pre-owned vehicles.
Discounts on Long Beach insurance
Insurance companies that sell policies for used cars may also offer discounts that could reduce prices by as much as 35% or more if you are eligible for them. Larger auto insurance companies and a selection of discounts include:
- State Farm may include discounts for defensive driving training, multiple autos, good student, passive restraint, and multiple policy.
- GEICO offers discounts including air bags, emergency military deployment, multi-policy, five-year accident-free, good student, seat belt use, and anti-lock brakes.
- Allstate has discounts for farm vehicle, teenSMART discount, safe driver, early signing, good payer, eSmart discount, and senior citizen.
- SAFECO may have discounts that include anti-lock brakes, bundle discounts, multi-car, teen safe driver, anti-theft, and drive less.
- Farm Bureau policyholders can earn discounts including good student, renewal discount, multi-vehicle, safe driver, and youthful driver.
- Progressive offers premium reductions for homeowner, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
- AAA offers discounts for AAA membership discount, good driver, multi-car, anti-theft, and multi-policy.
The example below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, passive restraint, defensive driving course, multiple policy, claim-free, and anti-theft discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for used cars is 28% or $707.
Rate comparison of full coverage and liability-only
Lowering the price of auto insurance is the goal of the majority of vehicle owners, and a great way to find cheaper insurance for used cars is to not pay for full coverage. The diagram below shows the difference between yearly insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are applied.
If we average all the age groups together, full coverage costs $3,093 per year over having just liability coverage. Lot’s of drivers question when is it safe to stop buying full coverage. There isn’t a written rule for eliminating full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your vehicle’s settlement value is $11,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,500 after the deductible is paid. If you are paying in excess of $1,050 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
Poor driving habits will raise your auto insurance rates
The ideal way to find the cheapest auto insurance premiums in Long Beach for pre-owned vehicles is to be a safe driver and avoid tickets and accidents. The illustration below demonstrates how traffic citations and at-fault claims can raise insurance prices for different age groups. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of auto insurance per year with no violations or accidents is $2,354. Factor in two speeding tickets and the average cost jumps to $3,138, an increase of $784 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for used cars jumps again to an average of $3,950. That’s an increase of $1,596, or $133 per month, just for not maintaining a clean driving record!
How to find the cheapest car insurance for used cars
It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help drivers quote low-cost car insurance.
- Safer vehicles cost less to insure
- Higher comprehensive and collision coverage deductibles will save money
- Save money by bundling your home and auto policies
- Pay for small claims rather than turning them in to your insurance company
- Save money by insuring older vehicles for liability only
- Pay lower rates with good credit
- Compare rates regularly and switch companies to save money
The last tip in the list is especially crucial, as we emphasized in this article. Auto insurance rates fluctuate considerably, so don’t be afraid to buy from a new company if a lower-cost policy is available.
Having a favorite company is fine, but it’s not a great idea if it’s costing you money that could be spent on other things. Take a few minutes and compare prices to find cheaper auto insurance for used cars in Long Beach.
The Long Beach, CA, insurance agents below can most likely help you decide which car insurance company is the best fit, since some drivers wish to get help from a professional when comparing insurance rates for used cars. It can be time-consuming to find the best policy on your own, and getting advice from a licensed agent can provide you comfort knowing you have enough protection.
To locate an agency using an interactive map, click the button below the list or click here to compare price quotes now.
Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488
Farmers Insurance – David Van Wyk
1959 E Spring St – Long Beach, CA 90806 – (949) 770-1708
Farmers Insurance – Troy Kelly
5353 E 2nd St #207 – Long Beach, CA 90803 – (562) 434-0301
Vinny Bommaiah – State Farm Insurance Agent
6272 Pacific Coast Hwy Ste C – Long Beach, CA 90803 – (562) 439-8544
Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809