The best way we recommend to find low-cost auto insurance rates in Long Beach is to compare quotes once a year from insurers who sell auto insurance in California. You can compare prices by completing these steps.
Step 1: Try to understand the coverage provided by your policy and the measures you can take to lower rates. Many rating factors that cause high rates such as accidents, traffic violations, and a negative credit score can be improved by improving your driving habits or financial responsibility. Continue reading for more information to help reduce premium rates and find additional discounts you may qualify for.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from many different companies.
Step 3: Compare the new quotes to your current policy premium to see if a cheaper price is available in Long Beach. If you can save money and make a switch, make sure there is no coverage gap between policies.
An important part of this process is that you use the same level of coverage on each quote request and and to get rates from as many different insurance providers as possible. Doing this provides a level playing field and the most accurate and complete price analysis.
It’s safe to assume that insurance companies don’t want their customers to go rate shopping. People who shop for lower prices will, in all likelihood, switch insurance companies because of the good chance of finding a cheaper policy. A recent insurance study discovered that consumers who routinely compared quotes saved about $865 annually as compared to drivers who never compared rates.
If finding the most affordable Dodge Ram 2500 insurance is the reason you’re reading this, then having some knowledge of how to compare cheaper coverage can save time, money, and frustration.
How You Can Control Dodge Ram 2500 Insurance Premiums
Smart consumers have a good feel for some of the factors that come into play when calculating the rates you pay for car insurance. If you know what impacts premium levels, this enables informed choices that could help you find lower premium levels.
The factors shown below are just a few of the factors utilized by car insurance companies to help set prices.
Liability claims can be big – The liability coverage on your policy will afford coverage if a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Keep car insurance claims to a minimum – If you frequently file small claims, don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies in California provide the lowest premiums to drivers that do not abuse their auto insurance. Auto insurance is intended for more catastrophic claims.
Vehicles with better crash test results means better rates – Safe vehicles can get you lower premiums. Safer cars reduce injuries and reduced instances of injuries means your insurance company pays less which can mean better rates for you.
Never let your coverage expire – Driving any period of time without insurance is not a good idea and any future policy may cost more because you let your coverage lapse. Not only will you pay more, being ticketed for driving with no insurance may result in a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with the California department of motor vehicles.
Get hitched and get cheaper prices – Having a spouse may save some money on your car insurance bill. Having a spouse demonstrates that you tend to be more responsible and statistics prove married drivers get in fewer accidents.
Premiums increase with driving tickets – Drivers who don’t get tickets get better rates than their less careful counterparts. Only having one moving violation may increase your cost forty percent or more. Drivers unfortunate enough to have multiple citations such as reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
The information below shows how traffic citations and accident claims can influence Dodge Ram 2500 auto insurance costs for each different age category. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Older drivers save more – Older, more experienced drivers are viewed as being more responsible, tend to file fewer claims, and are safer drivers. Young drivers are statistically proven to be more careless when driving with friends so car insurance rates are higher.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Does your job cost you more? – Occupational choices like judges, architects, and accountants tend to have higher premium rates due to intense work-related stress and long work days. Other jobs like professors, students and performers pay lower than average rates.
How to get affordable Dodge Ram 2500 insurance in Long Beach
Getting a cheaper price on insurance can be relatively painless. Just take the time comparing free Long Beach auto insurance quotes to find the company with affordable Dodge Ram 2500 insurance quotes.
The providers in the list below offer free rate quotes in California. To get cheap auto insurance in CA, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Insurance coverage details
The data table displayed next showcases detailed analysis of rate quotes for Dodge Ram 2500 models. Understanding how car insurance premiums are formulated is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 2500 Crew Cab ST 2WD | $412 | $914 | $650 | $38 | $194 | $2,208 | $184 |
| Ram 2500 Crew Cab SLT 2WD | $412 | $1052 | $650 | $38 | $194 | $2,346 | $196 |
| Ram 2500 Mega Cab SLT 2WD | $412 | $1052 | $650 | $38 | $194 | $2,346 | $196 |
| Ram 2500 Crew Cab Laramie 2WD | $412 | $1052 | $650 | $38 | $194 | $2,346 | $196 |
| Ram 2500 Crew Cab ST 2WD | $412 | $1052 | $650 | $38 | $194 | $2,346 | $196 |
| Ram 2500 Mega Cab Laramie 2WD | $412 | $1052 | $650 | $38 | $194 | $2,346 | $196 |
| Ram 2500 Crew Cab ST 4WD | $458 | $914 | $650 | $38 | $194 | $2,254 | $188 |
| Ram 2500 Crew Cab SLT 2WD | $458 | $1052 | $650 | $38 | $194 | $2,392 | $199 |
| Ram 2500 Mega Cab SLT 2WD | $458 | $1052 | $650 | $38 | $194 | $2,392 | $199 |
| Ram 2500 Mega Cab SLT 4WD | $458 | $914 | $650 | $38 | $194 | $2,254 | $188 |
| Ram 2500 Crew Cab SLT 4WD | $458 | $914 | $650 | $38 | $194 | $2,254 | $188 |
| Ram 2500 Crew Cab Laramie 2WD | $458 | $1190 | $650 | $38 | $194 | $2,530 | $211 |
| Ram 2500 Mega Cab Laramie 2WD | $458 | $1190 | $650 | $38 | $194 | $2,530 | $211 |
| Ram 2500 Crew Cab ST 4WD | $458 | $914 | $650 | $38 | $194 | $2,254 | $188 |
| Ram 2500 Mega Cab Laramie 4WD | $458 | $914 | $650 | $38 | $194 | $2,254 | $188 |
| Ram 2500 Crew Cab Laramie 4WD | $458 | $914 | $650 | $38 | $194 | $2,254 | $188 |
| Ram 2500 Mega Cab SLT 4WD | $506 | $1052 | $650 | $38 | $194 | $2,440 | $203 |
| Ram 2500 Crew Cab SLT 4WD | $506 | $1052 | $650 | $38 | $194 | $2,440 | $203 |
| Ram 2500 Crew Cab Laramie 4WD | $506 | $1052 | $650 | $38 | $194 | $2,440 | $203 |
| Ram 2500 Mega Cab Laramie 4WD | $506 | $1052 | $650 | $38 | $194 | $2,440 | $203 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific location which can influence auto insurance rates significantly.
Rate comparison of full coverage and liability-only
The information below compares Dodge Ram 2500 insurance rates when comparing full coverage to liability only. The price estimates are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no set guideline of when to drop physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Dodge Ram 2500 claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If you are paying in excess of $400 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some conditions where removing full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Insurance just makes sense
Despite the high insurance cost for a Dodge Ram 2500 in Long Beach, paying for insurance is most likely required but also gives you several important benefits.
- Just about all states have minimum mandated liability insurance limits which means state laws require a specific level of liability in order to license the vehicle. 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 you bought your Dodge with a loan, most banks will make it a condition of the loan that you have full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may insure your Dodge at a much higher rate and require you to pay the higher premium.
- Insurance protects both your Dodge Ram 2500 and your assets. It will also cover medical bills for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. On average, a vehicle owner in Long Beach is overpaying over $810 a year so it’s important to compare rates at least once a year to save money.
Lower rate quotes with discounts
Companies do not advertise every discount in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on insurance. If you are not receiving all the discounts you deserve, you are paying more than you should be.
- ABS Braking Discount – Cars equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
- Federal Employees – Active or retired federal employment could cut as much as 10% off depending on your insurance provider.
- Multiple Cars – Drivers who insure multiple cars with one company qualifies for this discount.
- One Accident Forgiven – This isn’t a discount exactly, but some insurance companies allow you one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
- Paper-free Discount – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
- Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings when shopping for insurance.
One last thing about discounts, most of the big mark downs will not be given to the whole policy. Most only cut individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.
The information below compares Dodge Ram 2500 yearly insurance costs with and without discounts. The rate quotes are based on a male driver, no claims or driving 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 multi-car, multi-policy, claim-free, marriage, homeowner, and safe-driver discounts applied.
A list of insurance companies and a summarized list of policyholder discounts can be read below.
- Farmers Insurance may include discounts for homeowner, business and professional, distant student, good student, and switch companies.
- State Farm may have discounts that include good driver, defensive driving training, accident-free, multiple autos, multiple policy, driver’s education, and good student.
- Liberty Mutual offers premium reductions for multi-policy, multi-car, newly retired, good student, safety features, and new graduate.
- MetLife may offer discounts for accident-free, multi-policy, good driver, claim-free, defensive driver, good student
- Progressive discounts include homeowner, continuous coverage, multi-vehicle, good student, multi-policy, and online signing.
If you need lower rates, check with each company how you can save money. Some credits might not be available to policyholders in your area. For a list of insurance companies that offer many of these discounts in California, click here.
Local Long Beach insurance agencies
Some consumers just prefer to get advice from a local agent and doing so can bring peace of mind Agents are highly skilled in risk management and help in the event of a claim. One of the best bonuses of getting free rate quotes online is you can get cheap rate quotes and still have an agent to talk to.
After filling out this simple form, your insurance data is transmitted to companies in Long Beach that provide free Long Beach auto insurance quotes to get your business. You won’t need to search for any insurance agencies because prices are sent immediately to you. If you need to get a comparison quote from a specific company, don’t hesitate to navigate to their website and give them your coverage information.
Finding the right company requires you to look at more than just a cheap quote. The answers to these questions are important, too.
- If you are a high risk driver, do they have special markets for your coverage?
- Do they see any coverage gaps in your plan?
- Do they offer accident forgiveness?
- Can you contact them at any time?
- Is there a Errors and Omissions policy in force?
Pick the best car insurance agent in Long Beach for you
When looking for a reliable agent, you need to know there are two different agency structures and how they work. Long Beach agents may be either independent agents or exclusive agents depending on their employer. Both types of agents can handle car insurance, but it’s important to know the differences since it can affect the kind of agent you use.
Exclusive Car Insurance Agencies
Exclusive insurance agents can only place business with one company such as State Farm or Allstate. They generally cannot compare rates from other companies so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. Consumers often use the same agent mostly because of high brand loyalty instead of buying on price only.
The following are Long Beach exclusive insurance agencies who may provide you with price quotes.
- Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map - Jose Olguin – State Farm Insurance Agent
4464 California Pl – Long Beach, CA 90807 – (562) 427-2014 – View Map - Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map
Independent Car Insurance Agents
These agents are not locked into one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move your policy to a different company without you having to go to a different agency. When comparing car insurance prices, you absolutely need to check rates from a couple of independent agencies to get the best comparison. Most independent agents also contract with different regional companies which could offer lower prices.
Below are independent insurance agents in Long Beach that are able to give comparison quotes.
- Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map - C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map
Persistence will pay off
Cost effective Dodge Ram 2500 insurance is attainable both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide rate quotes online and most of the time these smaller companies prefer to sell through independent agents.
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.
We covered some good ideas how you can lower your Dodge Ram 2500 insurance prices in Long Beach. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best prices are with some of the smallest insurance companies.
To learn more, link through to these articles:
- Senior Drivers (Insurance Information Institute)
- What Insurance is Cheapest for a Ford Escape in Long Beach? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)