A study showed that 70% of consumers renewed their policy with the same company for at least the last four years, and nearly the majority have never shopped around. With the average car insurance premium being $1,847, American drivers could save $850 a year, but they underestimate the benefits if they just switched companies.
The best way to get discount car insurance rates is to start comparing rates regularly from providers who provide auto insurance in Long Beach.
Step 1: Learn about how insurance works and the measures you can take to keep rates down. Many risk factors that increase rates such as speeding and a negative credit history can be rectified by making minor changes to your lifestyle. This article provides tips to help find cheaper rates and get discounts that may be overlooked.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while independent agents can quote rates for a wide range of companies. Start a quote
Step 3: Compare the price quotes to your existing coverage and determine if cheaper Titan coverage is available in Long Beach. If you find a better price, make sure there is no coverage gap between policies.
Step 4: Provide notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit the completed application along with a down payment to the new company. Make sure you put the proof of insurance paperwork in your vehicle’s glove compartment or console.
A key point to remember is to compare identical coverage information on every quote and and to get price estimates from as many different companies as possible. This provides a fair rate comparison and a better comparison of the market.
When looking for the cheapest Nissan Titan rate quotes, there are a couple ways to compare rate quotes from many available insurance companies in California. By far the easiest way to find the cheapest Nissan Titan insurance rates consists of obtaining rate quotes online. When comparison shopping, comparing more quotes increases the chance that you will find the best rates.
The companies in the list below are ready to provide quotes in Long Beach, CA. If you wish to find cheap auto insurance in Long Beach, CA, we recommend you visit several of them to get a more complete price comparison.
Car insurance analysis for a Nissan Titan
The premium table displayed below showcases different insurance policy prices for Nissan Titan models. Learning a little about how insurance policy premiums are determined can help drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Titan XE King Cab 2WD | $370 | $672 | $580 | $34 | $174 | $1,830 | $153 |
| Titan XE Crew Cab 4WD | $370 | $672 | $464 | $28 | $138 | $1,672 | $139 |
| Titan SE King Cab 4WD | $370 | $672 | $464 | $28 | $138 | $1,672 | $139 |
| Titan XE Crew Cab 2WD | $370 | $672 | $580 | $34 | $174 | $1,830 | $153 |
| Titan SE King Cab 2WD | $370 | $672 | $580 | $34 | $174 | $1,830 | $153 |
| Titan SE Crew Cab 4WD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Titan Pro-4X King Cab 4WD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Titan SE Crew Cab 2WD | $370 | $792 | $580 | $34 | $174 | $1,950 | $163 |
| Titan Pro-4X Crew Cab 4WD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Titan LE Crew Cab 4WD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Titan LE Crew Cab 2WD | $412 | $792 | $580 | $34 | $174 | $1,992 | $166 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in zip code location which can affect auto insurance rates noticeably.
Impact of violations and accidents on rates
The information below demonstrates how traffic citations and fender-benders raise Nissan Titan insurance premiums for different ages of insureds. The premium estimates are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Nissan Titan insurance rates by gender
The example below compares Nissan Titan annual premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.
Difference between liability only and full coverage rates
The example below illustrates the comparison of Nissan Titan insurance costs with full coverage and liability only. The information is based on no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There isn’t a written rule of when to phase out physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Nissan Titan settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If premiums are more than $700 a year for full coverage, then you might want to think about dropping full coverage.
There are a few situations where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Auto insurance is unique, just like you
When it comes to choosing coverage online or from an agent for your vehicles, there is no best way to insure your cars. Your needs are unique to you.
For example, these questions could help you determine if your situation would benefit from an agent’s advice.
- Am I covered when pulling a rental trailer?
- Why am I required to get a high-risk car insurance policy?
- Am I covered when delivering products for my home-based business?
- What if an uninsured driver hits me?
- Is motorclub coverage worth it?
- Is a blown tire covered by insurance?
- Do I need more liability coverage?
- Are there companies who specialize in insuring high-risk drivers?
If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.
Compare rates but buy from a local neighborhood Long Beach car insurance agent
Some consumers just want to sit down and talk to an agent and that is recommended in a lot of cases An additional benefit of comparing rates online is the fact that drivers can get the best rates but still work with a licensed agent. Buying from local insurance agencies is definitely important in Long Beach.
By using this simple form, your insurance coverage information is transmitted to local insurance agents who will return price quotes to get your business. There is no reason to leave your computer since price quotes are sent directly to your email. It’s the lowest rates AND a local agent. In the event you want to compare rates for a specific company, you just need to jump over to their website and fill out their quote form.
If you want local Long Beach agents, it helps to know the two different agency structures that you can choose from. Insurance agencies in Long Beach can be described as either exclusive or independent agents depending on their company appointments.
Independent Agents
Agents that choose to be independent do not have single company limitations and that is an advantage because they can write policies with lots of companies and help determine which has the cheapest rates. If you are not satisfied with one company, your policy is moved internally and you can keep the same agent. If you need lower rates, you absolutely need to get quotes from a couple of independent agencies to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which can be an advantage.
Listed below is a short list of independent agencies in Long Beach who may be able to give you free rate quotes.
- Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map - Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
Exclusive Insurance Agents
Exclusive agencies work for only one company such as Farmers Insurance, Allstate, or State Farm. They are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents partially due to the brand and the convenience of having a single billing for all their coverages.
The following is a list of exclusive agencies in Long Beach willing to provide comparison quotes.
- Peter Kong – State Farm Insurance Agent
2020 E Anaheim St – Long Beach, CA 90804 – (562) 438-8188 – View Map - State Farm Insurance: Damian Useda
929 E Wardlow Rd – Long Beach, CA 90807 – (562) 426-8565 – View Map - State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map
Picking the best insurance agent needs to be determined by more than just the price. These are some questions your agent should answer.
- Who are their largest clients?
- Where would your vehicle be repaired?
- Will you get a loaner vehicle if you car is being repaired?
- Will high miles depreciate repair valuations?
- Do they get extra compensation for selling add-on coverages?
- Are there any extra charges for paying monthly?
- Is the agency involved in supporting local community causes?
What is the best auto insurance company in Long Beach?
Choosing the best auto insurance provider can be a challenge considering how many choices you have in California. The ranking data below can help you analyze which coverage providers you want to consider when looking for cheaper rates.
Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Long Beach Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive