The words “low-priced” and “auto insurance” really don’t belong together, specifically when you are shopping around for the best coverage prices for real estate agents. Let’s teach you some things that help determine car insurance premiums, and come up with some ways to slash the price of the next policy you buy.
Trying to find affordable insurance is confusing at best, and determining which company offers the most affordable auto insurance rates for real estate agents requires more quotes for comparison. Every car insurance company uses a different method for determining rates in each state, so let’s take a look at the most affordable auto insurance companies in Long Beach, CA.
It’s important that readers know that California auto insurance rates are influenced by many factors that may substantially change the price you have to pay. Simply improving your credit, adding a teenager to your policy, or getting a few speeding tickets may prompt premium changes that can make some companies much higher than others.
Find the Cheapest Auto Insurance for Realtors
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,750 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA may offer some of the cheapest car insurance rates in Long Beach at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the cheaper Long Beach, CA insurance companies.
As shown above, if you have coverage with CSAA and switched to USAA, you could see savings of in the neighborhood of $77. California drivers with Nationwide may save as much as $142 a year, and 21st Century insureds might lower prices by $204 a year.
To get a fast rate comparison, click here to start a quote or visit any of the companies below.
These estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a vehicle location for real estate agents. So the company that can offer you the lowest price may not even be in the top 24 companies shown above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
For realtors, one of the more important considerations that help determine car insurance rates is where you call home in Long Beach. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.
The following table sorts the most expensive places in California for real estate agents in which to purchase auto insurance. Long Beach comes in at #8 with an annual cost of $1,562 on average, which is approximately $130 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Fontana | $1,566 |
| 8 | Long Beach | $1,562 |
| 9 | Stockton | $1,556 |
| 10 | Santa Clarita | $1,533 |
| 11 | Modesto | $1,532 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Moreno Valley | $1,506 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,381 |
| 21 | Fremont | $1,348 |
| 22 | Irvine | $1,343 |
| 23 | Chula Vista | $1,337 |
| 24 | San Diego | $1,327 |
| 25 | Oxnard | $1,318 |
| Compare Prices Now Go | ||
Prices are estimated as the specific geographic location can revise premiums noticeably.
Get discount Long Beach car insurance rates
Car insurance companies that provide coverage for real estate agents may additionally offer price discounts that can lower rates by 30% or more if you are eligible to receive them. Larger auto insurance companies and the discounts they provide are:
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, student away at school, passive restraint, Drive Safe & Save, safe vehicle, good driver, and multiple autos.
- GEICO discounts include multi-vehicle, federal employee, membership and employees, anti-theft, driver training, and defensive driver.
- SAFECO includes discounts for homeowner, teen safe driver, anti-lock brakes, drive less, and accident prevention training.
- Farmers Insurance may have discounts that include bundle discounts, early shopping, teen driver, good student, pay in full, multi-car, and electronic funds transfer.
- AAA may offer discounts for multi-car, pay-in-full, good student, anti-theft, and good driver.
- USAA has savings for loyalty savings, safe driver, military installation, good student, annual mileage, vehicle storage, and defensive driver.
The diagram below illustrates the difference between premium costs with and without discounts being applied to the rates. The premiums are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, homeowner, marriage, vehicle safety, defensive driving course, and multiple vehicle discounts applied. When discounts are applied, theaverage amount saved on auto insurance for real estate agents is 28% or $875.
Impact of citations and accidents on Long Beach insurance rates
The recommended way to receive the cheapest auto insurance premiums in Long Beach for realtors is to drive safely and not have accidents or get tickets. The diagram below illustrates how traffic citations and at-fault collisions can affect insurance premiums for different insured age categories. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance in California per year with no violations or accidents is $2,935. Get two speeding tickets and the average cost swells to $3,944, an increase of $1,009 each year. Then include one accident along with the two speeding tickets and the yearly cost of auto insurance for real estate agents increases to an average of $4,975. That’s an increase of $2,040, or $170 per month, just for not paying attention while driving!
Here’s why you should compare rates often
Long Beach, CA auto insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. Simply having another birthday, moving across town, or having a fender bender can trigger rate changes resulting in some companies being more affordable than competitors.
And not only may your rating factors change, but insurers file new California auto insurance rates every year or even multiple times each year in order to remain profitable. Unexpectedly high claims may result in more expensive premiums, while better underwriting can result in lower-cost Long Beach car insurance rates.
For example, the graph below shows the company with the cheapest car insurance in Long Beach, CA for a 35-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we estimate prices based on her current rating profile, USAA quotes the best car insurance rates in Long Beach at $1,424 annually. This is $227 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National are the rest of the cheapest Long Beach, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from above a claim surcharge, bad credit, and a speeding citation. Since every insurance provider has a different formula to set their prices, comparing quotes most likely will result in a completely different list of the cheapest car insurance companies in Long Beach as shown below.
Grange now has the cheapest auto insurance in Long Beach, CA with Allstate, Mercury, Progressive, and GEICO also having competitive pricing. This shows why drivers need to compare many different companies to get the lowest car insurance quotes for real estate agents. Auto insurance prices consist of many different factors and can increase or decrease at any time, so the most economical option six months ago may now be quite expensive.