Wouldn’t this article be short if you could know instantly the single best company that has the best deal on coverage for welfare recipients? It’s not that easy, however, as there are many unknown elements like if you are married, if you own your own home, how experienced of a driver you are, and if you want full coverage included. We will try to teach you about these types of topics and educate you enough to have some help in finding cheaper rates.
The vehicle model you are seeking coverage for is one of the biggest factors when quoting the lowest-priced auto insurance for welfare recipients. Vehicles with economical engines, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than higher performance models.
The information below features auto insurance prices for the most budget-friendly vehicles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,213 |
| Honda CR-V EX 4WD | $1,240 |
| Hyundai Elantra GLS Touring Station Wagon | $1,325 |
| Dodge Grand Caravan SE | $1,357 |
| Toyota Tacoma 2WD | $1,407 |
| Honda Odyssey EX W/Rear Entertainment | $1,416 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,483 |
| Honda Civic VP 4-Dr Sedan | $1,489 |
| Toyota Corolla S | $1,511 |
| Toyota Prius | $1,516 |
| Ford Focus S 4-Dr Sedan | $1,538 |
| Nissan Rogue SL 2WD | $1,543 |
| Ford F-150 XLT Regular Cab 4WD | $1,543 |
| Ford Explorer XLT 2WD | $1,549 |
| Toyota RAV4 Limited 4WD | $1,570 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in Long Beach, CA location which can affect insurance rates significantly.
Looking at the rates, we can expect cars like the Ford Escape, Honda CR-V, Hyundai Elantra, and Dodge Grand Caravan are most likely to be some of the more affordable vehicles to insure for drivers on welfare.
For drivers on welfare, one of the largest considerations that determine the amount you pay each year for auto insurance is where you choose to live. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The next table rates the highest-priced places in California for welfare recipients in which to buy car insurance. Long Beach shows up at #8 having an annual price of $1,578 for the average insured, which is around $132 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Moreno Valley | $1,551 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,508 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
| 21 | Bakersfield | $1,394 |
| 22 | San Diego | $1,381 |
| 23 | Oxnard | $1,358 |
| 24 | Chula Vista | $1,350 |
| 25 | Irvine | $1,343 |
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Premium costs are estimated as the specific Long Beach residence address can modify insurance rates considerably.
Trying to buy low-cost auto insurance is easier said than done, and finding out which company has the lowest-priced car insurance rates for welfare recipients calls for even more work. Every car insurance company uses a different method to establish rates, so first we will examine the most affordable car insurance companies in Long Beach, CA.
It’s important to understand that Long Beach car insurance rates are based on many factors which can substantially change the cost of your policy. Improving your credit score, buying another vehicle, or getting a DUI may generate price changes that can make some companies cheaper than competitors.
Find Cheaper Car Insurance in California
USAA offers some of the best car insurance rates in Long Beach at around $1,143 a year. This is $508 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the most economical Long Beach, CA insurance companies.
As depicted above, if you currently buy coverage from Century National and switched to USAA, you might achieve an annual savings of roughly $35. Insureds with Wawanesa might save as much as $38 a year, and CSAA policyholders might reduce prices by as much as $79 a year.
If you want to see how much you could save, click here to start your free quote or feel free to get quotes from the companies below.
It’s important to note that these policy prices are averages across all types of insureds and vehicles and do not factor in a specific zip code for welfare recipients. So the insurer that is most affordable for your situation may not even be in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The example below shows how choosing a deductible can impact premium costs when getting quotes for cheap insurance for welfare recipients. The premiums are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
In the chart above, a 40-year-old driver could lower their car insurance rates by $416 a year by changing from a $100 deductible to a $500 deductible, or save $626 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices as much as $1,398 or more by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough funds in savings to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Types of discounts on Long Beach car insurance rates
Insurance providers that provide policies for welfare recipients could also offer premium discounts that may potentially lower prices by as much as 30% if you qualify for them. Large car insurance companies and a summarized list of policyholder discounts are detailed below.
- State Farm offers premium reductions for passive restraint, Drive Safe & Save, anti-theft, multiple autos, Steer Clear safe driver discount, and student away at school.
- GEICO offers discounts including seat belt use, driver training, air bags, federal employee, daytime running lights, military active duty, and membership and employees.
- SAFECO may offer discounts for safe driver, anti-theft, anti-lock brakes, drive less, homeowner, teen safe driver, and accident prevention training.
- Farmers Insurance has savings for youthful driver, teen driver, pay in full, homeowner, bundle discounts, and good student.
- AAA may have discounts that include anti-theft, AAA membership discount, multi-car, good driver, pay-in-full, and education and occupation.
- USAA offers discounts for military installation, annual mileage, vehicle storage, family discount, driver training, good student, and new vehicle.
The diagram below shows the comparison of auto insurance rates with and without discounts applied to the rates. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, marriage, multiple vehicle, defensive driving course, multiple policy, and homeowner discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for welfare recipients is 28% or $516.
Compare rates to save
Long Beach, CA car insurance rates are impacted by many things that may substantially change the cost of having a policy. Simply improving your credit, increasing liability limits, or getting a DUI can produce rate changes that can cause some rates to be affordable when they were higher priced. In addition, insurers change their prices multiple times each year in order to protect their financial rating. An extended period of higher than normal claims can result in more expensive prices, while a better loss history may produce lower-cost Long Beach car insurance rates.
As an example, the chart below shows the company with the cheapest car insurance in Long Beach, CA for a 40-year-old female driver with no accidents or violations, and a good credit history. If we look at prices based on her current situation, USAA might offer the most affordable car insurance rates in Long Beach at $1,418 per year. This is $233 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the cheapest Long Beach, CA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates some claims, less-than-perfect credit, and a speeding citation. Since each auto insurance company has a unique approach for determining rates in each state, comparing insurance quotes will most likely result in a different set of cheap Long Beach auto insurance companies as shown below.
Grange now has the lowest price in Long Beach with GEICO, Allstate, Mercury, and Allied now rounding out the top five. This example proves why it is critical to compare many different companies when trying to get affordable auto insurance quotes for welfare recipients. Insurance rates consist of many factors and can change substantially, so the most affordable company the last time you compared rates may now be one of the more expensive options.
How to find more affordable car insurance for welfare recipients
The list below summarizes many penny-pinching suggestions that can help California drivers locate lower-cost auto insurance.
- Be a cautious driver
- Avoid having at-fault accidents
- Pay for small claims rather than turning them in to your insurance company
- Increase your deductibles
- Improve your credit rating
- Buy your auto and home insurance from the same company and save
- Keep rates low by shopping around frequently
The last idea is extremely critical, as we discussed in this article. Coverage prices in Long Beach fluctuate constantly, so don’t be unwilling to switch carriers if a more affordable rate is found. We understand brand loyalty, but it’s not recommended if that loyalty results in overpaying lots of money. Take a few minutes and compare prices and find cheaper car insurance for welfare recipients.
The Long Beach auto insurance agencies shown below can most likely answer your questions and help you decide which coverage fits your budget, as some drivers aren’t sure which coverage they need and prefer to have a consultation when shopping for cheaper insurance for drivers on welfare. It’s not always simple to find the cheapest rates, and getting professional guidance from a licensed agent can provide satisfaction knowing your policy gives you enough protection. To locate a Long Beach auto insurance agent near you, click the link after the list or click here to compare prices now.
- Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 - Farmers Insurance: Paul Soeung
2338 E Anaheim St #101a – Long Beach, CA 90804 – (562) 856-0328 - Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488 - Joe Lopez Jr – State Farm Insurance Agent
5199 Pacific Coast Hwy Ste 616 – Long Beach, CA 90804 – (562) 597-5547