The recommended way to find affordable quotes for car insurance rates is to compare quotes annually from providers that insure vehicles in Long Beach.
- Step 1: Learn about how auto insurance works and the measures you can take to lower rates. Many risk factors that cause high rates like traffic tickets, fender benders, and an imperfect credit rating can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover information to help find cheaper rates and find missing discounts.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple companies. Start a quote
- Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and change companies, ensure coverage does not lapse between policies.
- Step 4: Provide notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit payment and a completed application to your new insurance company. Make sure you put the new certificate of insurance in your glove compartment.
A good tip to remember is that you’ll want to compare similar coverage information on every quote and and to get rates from as many companies as possible. Doing this helps ensure the most accurate price comparison and a good representation of prices.
Everyone knows that insurance companies want to keep you from shopping around. Insureds who shop rates annually will most likely move their business because they have good chances of finding a policy with better rates. A recent survey discovered that people who shopped around saved an average of $72 a month as compared to drivers who never shopped around for lower prices.
If finding budget-friendly rates on car insurance in Long Beach is your goal, then having some insight into how to quote and compare insurance can help you be more efficient.
Affordable auto insurance in Long Beach, CA
The providers in the list below can provide quotes in Long Beach, CA. If multiple companies are listed, we suggest you visit two to three different companies to get the lowest price.
Chevy Malibu insurance coverage information
The table below highlights estimates of coverage prices for Chevy Malibu models. Understanding more about how auto insurance policy rates are figured helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Malibu LS | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Malibu Hybrid | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Malibu LT | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Malibu LTZ | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific Long Beach garaging location which can change coverage rates greatly.
Can higher deductibles save money?
When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The premium rates below determine the rate differences between low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Malibu LS | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Malibu Hybrid | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Malibu LT | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Malibu LTZ | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Malibu LS | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Malibu Hybrid | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Malibu LT | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Malibu LTZ | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in garaging location in Long Beach which can raise or lower premiums considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $46 more each month or $552 annually across all Chevrolet Malibu models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 20 months between claims, you would probably save some money going with the higher deductible.
Impact of speeding/accidents on insurance rates
The information below highlights how speeding tickets and accidents drive up Chevy Malibu car insurance costs for different insured age categories. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The information below illustrates the difference between Chevy Malibu annual premium costs with and without full coverage. The prices are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to stop buying physical damage coverage
There is no specific rule to stop paying for physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Chevy Malibu book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your policy deductible. If you are paying over $400 annually for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Lower-cost Long Beach auto insurance quotes with discounts
Buying auto insurance is not cheap, but you might be missing out on some discounts that you may not even know about. Some discounts will apply at the time of quoting, but once in a while a discount must be specifically requested before you will receive the discount.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 20% or more.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as Progressive, State Farm and GEICO may permit one accident before your rates go up with the catch being you have to be claim-free before the accident.
- Senior Citizen Discount – Older drivers may qualify for a small discount on rates.
- Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles with one company can reduce the rates for all insured vehicles.
- Telematics Discount – Drivers who elect to allow their insurance company to monitor where and when they drive by using a telematics device such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
- ABS Braking Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
- Distant Student – Children who are attending college without a vehicle on campus could get you a discount.
- Save with a New Car – Buying a new car model can save you some money compared to insuring an older model.
- Home Ownership Discount – Just owning your own home may trigger a policy discount on auto insurance because of the fact that having a home means you have a higher level of financial diligence.
- Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
One last thing about discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you can get free auto insurance, it’s just not the way it works.
The diagram below shows the difference between Chevy Malibu insurance costs with and without policy discounts. The rate quotes are based on a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, multi-policy, claim-free, and homeowner discounts applied.
Car insurance companies that may offer these money-saving discounts possibly include:
When quoting, ask each company or agent to give you their best rates. Some discounts listed above may not apply in Long Beach. If you would like to see a list of providers who offer free Chevy Malibu insurance quotes in Long Beach, click here.
Get rate quotes but still have a neighborhood Long Beach auto insurance agent
Some consumers prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Agents can point out coverage gaps and help in the event of a claim. A good thing about getting free rate quotes online is the fact that you can find cheaper rates and still have an agent to talk to.
By using this short form, the coverage information is instantly submitted to local insurance agents that can give you free Long Beach auto insurance quotes for your coverage. You won’t even need to contact any agents since price quotes are sent instantly to you. If you wish to get a price quote from one company in particular, you can always find their quoting web page to submit a rate quote request.
Picking the best insurance company shouldn’t rely on just the bottom line cost. A good agent in Long Beach will have answers to these questions.
- Does the company have a local claim office in Long Beach?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agency have a current Errors and Omissions policy?
- Is every driver in your family covered?
- What discounts might you be missing?
- Can you use your own choice of collision repair facility?
- Will they take your side in the event of a claim?
If you are wanting to purchase car insurance from a reliable insurance agent, there are two different types of agencies and how they can quote your rates. Car insurance agents are classified as either exclusive or independent. Both properly insure your vehicles, but it’s good to learn why they differ since it can impact the selection process.
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. These agents are well trained on their company’s products which can be an advantage. Consumers sometimes choose to use a exclusive agent partially due to loyalty to the company rather than having low rates.
Below are exclusive insurance agents in Long Beach that are able to give price quote information.
- Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map - John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622 – View Map - State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map
Independent Agents
Agents that choose to be independent are not locked into one company and that enables them to quote your coverage through lots of different companies and find the cheapest rate. If you are not satisfied with one company, they simply move your policy to a different company which makes it simple for you. If you need lower rates, you absolutely need to get quotes from several independent agencies in order to have the best price comparison. They often place coverage with small mutual carriers that may have much lower rates than larger companies.
Listed below is a short list of independent agents in Long Beach that are able to give rate quotes.
- Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map - Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map - Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
After you get reasonable responses for all questions you ask as well as a affordable price, you may have found an insurance agent that can properly service your car insurance policy. Just be aware that it’s your policy and you can terminate your policy whenever you wish so don’t feel you are locked into a policy with no way out.
Specific coverage details
Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Chevy Malibu.
Since a lot of drivers have only the minimum liability required by law (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for bills such as rehabilitation expenses, EMT expenses, X-ray expenses, funeral costs and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision insurance
This covers damage to your Malibu caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like driving through your garage door, hitting a mailbox, crashing into a building, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Malibu to bring the cost down.
Comprehensive insurance
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as falling objects, hitting a deer, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability car insurance
Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/5 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability coverage protects against claims such as repair costs for stationary objects, emergency aid, structural damage, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible. California state minimum liability requirements are 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below demonstrates why buying minimum limits may not be high enough to cover claims.
Cheap coverage is out there
In this article, we presented quite a bit of information on how to get a better price on Chevy Malibu insurance in Long Beach. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best rates are with a small mutual company.
People who switch companies do it for many reasons like being labeled a high risk driver, delays in paying claims, high prices or high rates after DUI convictions. Whatever your reason, switching companies is easier than you think.
Cheaper insurance in Long Beach can be sourced both online and from local insurance agents, and you need to price shop both to have the best rate selection. A few companies don’t offer online price quotes and these smaller providers work with independent insurance agents.
For more information, feel free to browse the articles below:
- Where can I buy Insurance? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Felons in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for Infrequent Drivers? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)
- Vehicle Safety Ratings (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)