A recent car insurance study revealed that nearly 70% of California drivers kept buying from the same company for at least four years, and about 40% of consumers have never compared rates from other carriers. The average driver in America could save almost 46.5% every year just by shopping around, but they don’t want to spend time to compare rate quotes.
If you want to save money, the best way to find more affordable Land Rover Range Rover insurance in Long Beach is to do an annual price comparison from different companies in California. You can shop around by completing these steps.
- Spend some time learning about how insurance companies determine prices and the factors you can control to keep rates in check. Many things that drive up the price such as traffic citations and a lousy credit rating can be rectified by being financially responsible and driving safely.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide rate quotes from many different companies. Compare rates now
- Compare the new quotes to your current policy premium to see if a cheaper price is available. If you can save some money, make sure there is no lapse in coverage.
An essential thing to point out is to use similar limits and deductibles on every quote and and to get price estimates from all possible companies. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.
The method we recommend to compare car insurance company rates for Land Rover Range Rover insurance in Long Beach is to understand car insurance companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is give them some information including an estimate of your credit level, if the car is leased, if it has an anti-theft system, and the type of vehicles you drive. The data is instantly submitted to multiple top-rated companies and they respond with quotes almost instantly.
To compare rates for your Land Rover Range Rover now, click here and see if a lower rate is available in Long Beach.
The companies shown below are ready to provide price comparisons in Long Beach, CA. If you want to find cheap auto insurance in Long Beach, we recommend you click on several of them to get a more complete price comparison.
Why you need auto insurance
Despite the potentially high cost of Land Rover Range Rover insurance, auto insurance may be mandatory for several reasons.
First, almost all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage 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.
Second, if your Range Rover has a loan, almost all lenders will make it a condition of the loan that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Land Rover at a much higher rate and require you to pay for the much more expensive policy.
Third, auto insurance preserves not only your Land Rover Range Rover but also your assets. It will also cover medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your Land Rover gets damaged, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your Range Rover definitely exceed the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is wasting up to $855 a year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.
Insurance policy discounts you can’t miss
Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but a few must be requested specifically in order for you to get them.
- Accident Waiver – This one isn’t a discount, but some companies like Allstate and State Farm will forgive one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a Long Beach auto insurance quote.
- Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from Long Beach and do not have access to a covered vehicle can receive lower rates.
- Membership in Organizations – Affiliation with qualifying clubs or civic groups could earn you a nice discount on insurance.
- Switch and Save Discount – Some companies provide a discount for buying a new policy prior to your current Range Rover insurance policy expiration. Ten percent is about the average savings.
- Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
- Federal Employees – Federal government employees could qualify for a slight premium decrease with certain companies.
- Safe Driver Discount – Drivers without accidents can save up to 40% or more on their Long Beach auto insurance quote compared to rates paid by drivers with frequent claims.
- Military Rewards – Having a deployed family member could mean lower prices.
One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts will cut your overall premium however.
Some of the larger companies that have some of the above discounts include:
When comparing rates, check with all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not be offered in Long Beach. To view insurers with discount rates in Long Beach, follow this link.
Local insurance agents
A small number of people would prefer to get advice from a local agent and we recommend doing that The best thing about price shopping on the web is you may find cheaper rates but also keep your business local.
Once you complete this short form, the quote information gets sent to local insurance agents in Long Beach who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to leave your house because quoted prices will be sent to you. You can find better rates without having to waste a lot of time. If you want to compare prices from one company in particular, you can always jump over to their website and complete a quote there.
Finding a good provider needs to be determined by more than just a cheap price. Any agent in Long Beach should have no problem answering these questions:
- Do they have a Better Business Bureau rating in Long Beach?
- Do they see any coverage gaps in your plan?
- Are they able to provide referrals?
- What is the financial rating for the quoted company?
- Does the agency provide any after hours assistance?
- Are you getting all the discounts the company offers?
- How is replacement cost determined on your vehicle?
- Is auto insurance their primary focus in Long Beach?
Below is a list of auto insurance companies in Long Beach who can help you get comparison quotes for Land Rover Range Rover insurance in Long Beach.
Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 – View Map
Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488 – View Map
Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 – View Map
John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622 – View Map
Which car insurance company is best in Long Beach?
Insuring your vehicle with the right company can be a challenge considering how many companies are available to choose from in California. The company rank data listed below may help you analyze which insurers you want to consider to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Car insurance 101
Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from auto insurance companies.
Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things like theft, damage from a tornado or hurricane and a broken windshield. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as chiropractic care, dental work and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability insurance – This can cover damage that occurs to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for things such as legal defense fees, structural damage, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.
The chart below shows why buying minimum limits may not be adequate coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Land Rover Range Rover.
Since many California drivers have only the minimum liability required by law (15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Collision coverage – Collision insurance will pay to fix damage to your Range Rover resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as driving through your garage door, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your Range Rover to bring the cost down.
Don’t give up on cheaper premiums
In this article, we presented a lot of information how to save on Land Rover Range Rover insurance in Long Beach. The most important thing to understand is the more companies you get car insurance rates for, the better likelihood of getting affordable Long Beach auto insurance quotes. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm and Allstate.
Cheap Land Rover Range Rover insurance in Long Beach can be bought both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and many times these regional insurance providers provide coverage only through local independent agencies.
When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many instances, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best cost, not the least amount of coverage.
To read more, take a look at the following helpful articles:
- Rental Reimbursement Coverage (Allstate)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Long Beach? (FAQ)
- What Auto Insurance is Cheapest for Low Credit Scores in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for 16 Year Olds? (FAQ)
- Who Has Cheap Long Beach Car Insurance Rates for Seniors? (FAQ)
- Distracted Driving (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Prom Night Tips for Teen Drivers (State Farm)