Price shopping your Chrysler Sebring insurance in Long Beach may be frustrating for drivers who have little experience shopping for insurance online. With literally dozens of insurers to choose from, it can quickly become a real difficult job to find the best price in California on Chrysler Sebring insurance.
Steps to finding cheaper quotes for Chrysler Sebring insurance in Long Beach
If you want to find the absolute lowest rates, then the best way to find cheaper prices for Chrysler Sebring insurance in Long Beach is to regularly compare price quotes from different companies who provide car insurance in California. Prices can be compared by completing these steps.
- Step 1: Read and learn about coverages and the measures you can take to drop your rates. Many factors that cause rate increases like at-fault accidents, careless driving, and a low credit score can be eliminated by making lifestyle changes or driving safer. Continue reading for instructions to find cheap prices and find possible discounts that are available.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can provide price quotes from many different companies. Compare rates
- Step 3: Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure coverage does not lapse between policies.
- Step 4: Provide notification to your current company of your intention to cancel your existing policy and submit a signed application and payment to your new company or agent. Immediately put the certificate verifying coverage somewhere easily accessible.
One key aspect when comparing rates is that you’ll want to compare identical coverages on every quote and and to compare all possible companies. Doing this guarantees a fair rate comparison and maximum price selection.
It’s an obvious conclusion that auto insurance companies want to keep your business as long as possible. People who compare other rates are highly likely to switch to a new company because of the high probability of finding discount prices. A recent survey revealed that people who routinely compared quotes saved about $3,450 over four years compared to people who never shopped around for cheaper prices.
If finding the most affordable auto insurance in Long Beach is the reason you’re reading this, then learning a little about how to shop and compare auto insurance can save time and make the process easier.
It’s important to do rate comparisons on a regular basis since prices change quite often. Even if you got the best deal on Chrysler Sebring insurance in Long Beach on your last policy other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out how to use the internet to find the best coverage while lowering your premiums.
Most companies like GEICO, State Farm and Progressive provide prices direct online. Doing online quotes for Chrysler Sebring insurance in Long Beach is fairly simple as you simply enter your coverage preferences as detailed in the form. Upon sending the form, the quote system gets your driving and credit reports and provides a quote determined by many factors.
This makes it simple to compare prices and it’s absolutely necessary to get many rate quotes if you are searching for the lowest payment.
To quickly find out how much you’re overpaying now, compare quotes from the companies shown below. If you have coverage now, it’s recommended you duplicate coverages and limits identical to your current policy. This makes sure you will have a fair comparison using the same coverage and limits.
The companies shown below provide price comparisons in California. If you want to find cheap auto insurance in Long Beach, we recommend you visit two to three different companies to get the lowest price.
Chrysler Sebring insurance rates and statistics
The data table displayed next outlines different insurance policy prices for Chrysler Sebring models. Learning a little about how premiums are determined is important to be able to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $238 | $536 | $464 | $28 | $138 | $1,404 | $117 |
| Sebring Limited 4-Dr Sedan | $238 | $536 | $464 | $28 | $138 | $1,404 | $117 |
| Sebring LX 2-Dr Convertible | $270 | $536 | $464 | $28 | $138 | $1,436 | $120 |
| Sebring Touring 2-Dr Convertible | $270 | $536 | $464 | $28 | $138 | $1,436 | $120 |
| Sebring Limited 2-Dr Convertible | $300 | $616 | $464 | $28 | $138 | $1,546 | $129 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in your specific Long Beach location which can affect premium rates considerably.
Impact of age and gender on auto insurance rates
The chart below illustrates the comparison of Chrysler Sebring yearly insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Full coverage or liability only
The example below illustrates the comparison of Chrysler Sebring insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no accidents or driving violations, $500 deductibles, single marital status, and no discounts are applied.
Guidelines for eliminating full coverage
There is no definitive formula of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Chrysler Sebring replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after the policy deductible has been paid. If premiums are more than $400 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some scenarios where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Why do I need car insurance?
Despite the fact that insurance is not cheap in Long Beach, paying for insurance is a good idea for several reasons.
- The majority of states have mandatory liability insurance requirements which means the state requires specific limits of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Chrysler has a lienholder, almost every bank will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Chrysler at a much higher premium rate and force you to reimburse them the higher price.
- Insurance preserves both your vehicle and your assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance greatly outweigh the cost, especially for larger claims. The average driver in America is overpaying more than $820 a year so it’s important to compare rates once a year at a minimum to ensure rates are inline.
Long Beach Insurance Costs are Influenced by These Factors
Lots of factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although others are more obscure such as your credit history or how safe your car is.
The factors shown below are some of the things that factor into your rates.
Liability protection is important – The liability coverage on your policy kicks in when you are found liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
Teen drivers cost more – Drivers with little experience are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Older drivers are more cautious drivers, are lower risk to insure, and get fewer tickets.
The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Driving citations cost more than a fine – Attentive drivers receive lower rates than their less careful counterparts. Having just one ticket can boost insurance rates by as much as thirty percent. Drivers unfortunate enough to have serious violations like hit and run, DWI or reckless driving convictions are required to complete a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
The example below highlights how traffic violations and accident claims raise Chrysler Sebring auto insurance rates for different age groups. Data assumes a married female driver, full coverage, $500 deductibles, and no discounts are applied.
Choose high IIHS safety ratings and save – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce occupant injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you. If your Chrysler Sebring is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
Car features that lower rates – Owning a car that has a built-in theft deterrent system can save you a little every year. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.
Drive a fast vehicle and pay more – The make and model of the car or truck you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Lower performance four cylinder passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
The chart below uses these assumptions: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Chrysler Sebring insurance premiums compared to other makes and models that have a range of risk factors.
Lower stress equals lower premiums – Jobs like doctors, business owners, and medical professionals usually pay higher premiums than the average policyholder in part from intense work requirements and long work hours. Conversely, jobs such as professors, athletes and retirees have lower than average premiums.
Auto insurance is unique, just like you
When it comes to choosing your policy for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and your auto insurance should unique, too.
For instance, these questions may help highlight whether you would benefit from an agent’s advice.
- Do I pay less if my vehicle is kept in my garage?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered by my spouse’s policy after a separation?
- Who is covered when they drive my Chrysler Sebring?
- Is my cargo covered for damage or theft?
- Why are teen drivers so expensive to add on to my policy?
- What if a claim settlement is too low?
- When should I not buy collision coverage?
- Do I need replacement cost coverage on my Chrysler Sebring?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Persistent drivers can save
More affordable insurance in Long Beach is definitely available both online in addition to local insurance agencies, so you need to quote Long Beach car insurance with both to have the best selection. There are still a few companies who do not provide internet price quotes and most of the time these regional carriers only sell through local independent agents.
We just presented some good ideas how you can save on Chrysler Sebring insurance in Long Beach. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the biggest savings come from the smaller companies. These companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.
How to quote cheaper Chrysler Sebring insurance in Long Beach
If you want to find the absolute lowest rates, then the best way to get budget car insurance rates in Long Beach is to start doing an annual price comparison from providers in California. Drivers can shop around by completing these steps.
- Step 1: Learn about how insurance works and the changes you can make to prevent rate increases. Many things that increase rates such as high-risk driving behaviors and poor credit history can be controlled by paying attention to minor details.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while independent agents can provide prices for many different companies.
- Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
One piece of advice is to make sure you enter the same amount of coverage on every quote and and to get prices from as many different companies as possible. Doing this ensures a fair price comparison and a complete selection of prices.
For more information, feel free to visit the resources below:
- Understanding Car Crashes Video (iihs.org)
- What Auto Insurance is Cheapest for High Risk Drivers in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Rates for a Ford Explorer? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Avoiding Deer Collisions (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)