Regrettably, almost 70% of insureds have bought car insurance from the same company for four years or more, and almost half have never quoted car insurance rates at all. Long Beach consumers could save nearly $470 each year just by getting comparison quotes, but they don’t know how much they could save if they switched.
The best way to save on Toyota Rav4 insurance in Long Beach is to compare prices at least once a year from providers in California.
- Try to learn about how car insurance works and the things you can control to drop your rates. Many factors that are responsible for high rates like at-fault accidents, speeding tickets, and a low credit score can be rectified by making minor driving habit or lifestyle changes. This article gives information to get low prices and get discounts that may be overlooked.
- Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies. Start a quote
- Compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you can save money, make sure there is no lapse in coverage.
The most important part of this process is to try to use identical limits and deductibles on each price quote and and to compare every insurance company. This ensures the most accurate price comparison and the best price selection.
Locating the most cost-effective car insurance policy in Long Beach is much easier if you have a good place to start. If you have a current car insurance policy, you should be able to get lower rates using the techniques presented in this article. Vehicle owners only need to know the tricks to compare price quotes from many companies at once.
Cheap Toyota insurance prices in Long Beach
The providers in the list below offer free rate quotes in Long Beach, CA. To locate cheap auto insurance in Long Beach, we suggest you visit as many as you can to find the most affordable car insurance rates.
Coverage statistics and figures
The rate table displayed below highlights detailed analysis of policy rates for Toyota Rav4 models. Being able to understand how prices are formulated is important for you to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Sport 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Sport 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Sport 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Sport 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in specific zip code location which can affect coverage rates substantially.
Insurance quotes and discounts
Some insurance providers don’t list every policy discount in a way that’s easy to find, so below is a list a few of the more common as well as the least known credits that you can use to lower your rates.
- Safety Course Discount – Successfully completing a course teaching defensive driving skills may get you a small discount and easily recoup the cost of the course.
- Early Signing – A few companies allow discounts for switching to them before your current expiration date. The savings is around 10%.
- Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you may save at least 10 to 15 percent or more.
- Federal Employees – Active or former government employment may reduce rates when you quote Long Beach auto insurance with select insurance companies.
- Discount for New Cars – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
- Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
- Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save a little off PIP or medical payments premium.
Consumers should know that some credits don’t apply to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy.
The example below visualizes the comparison of Toyota Rav4 auto insurance rates with and without discounts applied. The prices are based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, multi-policy, and claim-free discounts applied.
Some of the insurance companies that may have some of the above discounts include:
When getting free Long Beach auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your state. If you would like to view companies that offer the discounts shown above in California, click here to view.
What Affects Toyota Rav4 Insurance Premiums?
Smart consumers have a good feel for the factors that help determine the level of your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can earn you lower premium levels. Lots of factors are used when you get a price on insurance. Some factors are common sense like an MVR report, but other criteria are less obvious like your continuous coverage or your financial responsibility.
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Careless driving means higher rates – Being a careful driver impacts premiums far more than you think. Drivers who don’t get tickets get better prices compared to drivers with tickets. Getting just one ticket could increase your next policy renewal twenty percent or more. People who have serious violations such as DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
The information below illustrates how speeding tickets and fender-benders raise Toyota Rav4 insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
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Vehicle risk influences premiums – The performance of the vehicle you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. The cheapest rates will normally be found when insuring smaller low performance passenger cars, but other factors influence the final cost greatly.
The following chart uses these variables: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The data compares Toyota Rav4 insurance rates compared to other models that have a range of performance risks.
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Do men or women drive better? – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean women are better drivers. Both genders cause fender benders at about the same rate, but the male of the species tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The example below shows the comparison of Toyota Rav4 insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no discounts are factored in.
- Your spouse saves you money – Getting married can actually save you money on your car insurance bill. Having a spouse is viewed as being more mature and responsible and insurance companies like that drivers who are married file infrequent claims.
- Do you really need the extra policy coverages? – Insurance policies have a lot of add-on coverages that may not really be needed if you don’t pay attention. Coverages for replacement cost coverage, death and dismemberment, and membership fees may be costing you every month. They may seem like a good idea when discussing your needs, but if they’re wasting money get rid of them and save.
- Know your vehicle’s crash test rating – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower injury rates means your insurance company pays less and lower rates for you.
Different people need different auto insurance coverages
Always keep in mind that when comparing a policy for your personal vehicles, there really isn’t a perfect coverage plan. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine if your insurance needs would benefit from professional advice.
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I benefit by insuring my home with the same company?
- Can I afford to pay high deductible claims out of pocket?
- Who sells insurance for high-risk drivers?
- Can my teen driver be rated on a liability-only vehicle?
- Why do I have to buy liability insurance?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.
Compare rates but work with a local Long Beach insurance agency
A small number of people just want to get professional advice from a licensed agent and there is nothing wrong with that. Agents will help you protect your assets and help you file claims. A good thing about price shopping on the web is you can get lower rates and still choose a local agent.
After filling out this simple form, your information is immediately sent to local insurance agents who can give free rate quotes for your coverage. There is no reason to drive around since price quotes are sent to your email. In the event you want to compare prices from a particular provider, you would need to find their quoting web page and submit a quote form there.
Picking an company needs to be determined by more than just a cheap price. Any agent in Long Beach should have no problem answering these questions:
- Where would your vehicle be repaired?
- Who is covered by the car insurance policy?
- If you are a high risk driver, do they have special markets for your coverage?
- How much training do they have in personal risk management?
- Do they get paid more for recommending certain coverages?
- What is the financial rating for the quoted company?
- Do you need full coverage on every vehicle?
The different types of auto insurance agents
When researching a reliable insurance agent, it helps to know the two different agency structures that you can choose from. Insurance agencies in Long Beach are classified as either exclusive agents or independent agents. Both insure your vehicles, but it’s worth learning how they differ since it may influence the selection process.
Exclusive Insurance Agents
Exclusive insurance agents can only provide pricing for a single company like State Farm, AAA, and Liberty Mutual. They usually cannot place coverage with different providers so they really need to provide good service. These agents receive a lot of sales training on what they offer which aids in selling service over price. Consumers often use the same agent mostly because of the prominence of the brand rather than low rates.
Listed below is a short list of exclusive insurance agents in Long Beach who may provide you with price quote information.
- John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622 – View Map - Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726 – View Map - Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
Independent Agents (or Brokers)
These type of agents can quote rates with many companies and that enables them to quote your coverage through many different auto insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company which is easy for the insured. If you are comparing rate quotes, it’s recommended you get several quotes from independent agents to get the most accurate price comparison. Many independent agencies also insure through mutual insurance companies that can offer cheaper rates than bigger companies.
Shown below are Long Beach independent insurance agencies that are able to give comparison quotes.
- Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 – View Map - C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map - Greg D. Pyle Auto, Home, Commercial Insurance Long Beach
3777 Long Beach Blvd #500 – Long Beach, CA 90802 – (562) 436-3200 – View Map
Get the best coverage at the best price
As you restructure your insurance plan, you should never reduce needed coverages to save money. There are a lot of situations where an insured cut full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best possible price while still protecting your assets.
Some car insurance companies may not have the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agencies. Low-cost Toyota Rav4 insurance in Long Beach can be found from both online companies and with local Long Beach insurance agents, and you need to price shop both so you have a total pricing picture.
People who switch companies do it for a number of reasons such as policy cancellation, lack of trust in their agent, not issuing a premium refund or high prices. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.
More information is available at the links below
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for High Risk Drivers in Long Beach? (FAQ)
- Who Has Affordable Car Insurance Quotes for Hybrid Vehicles in Long Beach? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Booster Seat Ratings (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)