The best way to find low-cost prices for car insurance rates in Long Beach is to begin comparing prices regularly from different companies who provide auto insurance in California. Price quotes can be compared by following these steps.
- Read and learn about coverages and the things you can change to keep rates down. Many rating factors that cause high rates like traffic violations and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes. This article gives more ideas to prevent high rates and find missing discounts.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while independent agencies can quote prices for many different companies.
- Compare the new rates to the premium of your current policy and determine if there is any savings. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is to compare the same liability limits and deductibles on every price quote and and to get price estimates from as many auto insurance providers as possible. This guarantees an accurate price comparison and a good representation of prices.
Anyone knows that auto insurance companies don’t want you to compare rates. Consumers who shop around for the cheapest rate are likely to buy a different policy because they stand a good chance of finding discount prices. Surprisingly, a recent survey revealed that drivers who shopped around every year saved $860 a year as compared to drivers who never shopped around for lower prices.
If finding the lowest rates on insurance in Long Beach is your ultimate objective, then knowing the best way to shop and compare insurance coverage can save time and make the process easier.
Obtaining price quotes for the lowest cost coverage in Long Beach is not as hard as you may think. If you’re already insured or are looking for a new policy, follow these tips to buy cheaper insurance without reducing protection. Shoppers just need to use the fastest way to quote multiple rates over the internet.
First Step: Get free Buick Enclave insurance quotes
Reducing your Buick Enclave insurance rates is an easy way to save money. Just invest a few minutes to compare rate quotes online from several insurance companies.
It’s so fast and easy to compare quotes online that it makes it obsolete to go to insurance agents’ offices. Shopping for auto insurance online eliminates the middleman unless you have a need for the advice and guidance of a licensed agent. It is possible to get the lowest quotes online but buy from a local insurance agent.
The companies shown below can provide quotes in Long Beach, CA. To get cheap auto insurance in California, we recommend you get rates from several of them in order to get a fair rate comparison.
Rate information and statistics
The data table shown next outlines estimates of coverage prices for Buick Enclave models. Learning as much as possible about how insurance prices are figured can benefit drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Enclave CX AWD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Enclave XL 2WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Enclave XL AWD | $468 | $930 | $534 | $32 | $160 | $2,124 | $177 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can affect premium rates noticeably.
The diagram below shows how different deductible levels and can increase or decrease Buick Enclave insurance costs for different age groups. The premium estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.
Gender-based car insurance rates by age in Long Beach
The illustration below illustrates the difference between Buick Enclave car insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Does full coverage make sense?
The example below illustrates the difference between Buick Enclave car insurance rates with full coverage compared to only the California minimum liability coverage. The data assumes no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are factored in.
Should you pay for full coverage?
There is no definitive rule of when to exclude physical damage insurance, but there is a general school of thought. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Buick Enclave settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If premium cost is more than $400 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Car insurance quotes from local neighborhood Long Beach car insurance agents
Many drivers still like to talk to an insurance agent and that is OK! Professional agents can make sure you are properly covered and give you someone to call. The biggest benefit of comparing car insurance online is you may find cheap rate quotes but also keep your business local. Buying from and supporting local insurance agents is still important in Long Beach.
Upon completion of this quick form, your information is sent to participating agents in Long Beach who will return price quotes for your business. You won’t need to even leave your home because quoted prices will be sent instantly to you. If you need to compare rates from a specific company, you would need to visit that company’s website and give them your coverage information.
If you want to use a local Long Beach insurance agency, it can be helpful to understand the types of insurance agents that you can select. Car insurance policy providers may be either exclusive or independent. Either can properly insure your vehicles, but it is important to understand the differences because it may have an impact on which agent you choose.
Independent Car Insurance Agencies
Agents that elect to be independent do not have single company limitations so they have the ability to put coverage amongst many companies and find you cheaper rates. If they find a lower price, your agent can just switch to a different company and you don’t have to switch agencies. If you are comparing car insurance prices, you definitely need to contact a couple of independent agencies to get the most accurate price comparison.
Shown below is a small list of independent insurance agents in Long Beach who can help you get free car insurance quotes.
Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map
Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map
Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
Exclusive Car Insurance Agents
Exclusive agencies can only provide one company’s prices like American Family, State Farm, and AAA. They usually cannot place coverage with different providers so they really need to provide good service. These agents are highly trained on the products they sell which can be an advantage.
Listed below is a short list of exclusive agents in Long Beach that can give you rate quotes.
Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390 – Long Beach, CA 90815 – (562) 425-5109 – View Map
John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622 – View Map
Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371 – View Map
Picking the best auto insurance agent is decision based upon more than just the quoted price. These are some valid questions you should ask.
- How often do they review policy coverages?
- Can they give you a list of client referrals?
- Who is covered by the car insurance policy?
- Is there a local claims center in Long Beach?
- Does their agency support local causes in Long Beach?
- Can you choose the body shop in case repairs are needed?
- Are they primarily personal or commercial lines agents in Long Beach?
- If they are an independent agency in Long Beach, which companies do they recommend?