It’s safe to conclude that insurance companies don’t want you quoting rates from other companies. Drivers who shop around at least once a year are inclined to move their business because there is a significant possibility of finding a more affordable policy premium. A recent auto insurance study revealed that consumers who make a habit of shopping around saved an average of $72 a month compared to policyholders who don’t regularly compare prices.
If finding the most affordable auto insurance is the reason for your visit, then learning about how to choose a company and compare auto insurance can help simplify the process.
If you want to find the absolute lowest rates, then the best way to find cheaper prices for Ford Fiesta insurance is to regularly compare prices from different companies who provide auto insurance in Long Beach. Rates can be compared by following these steps.
Step 1: Spend some time learning about how companies set rates and the things you can control to drop your rates. Many rating factors that increase rates such as careless driving and poor credit history can be improved by making small lifestyle or driving habit changes. Keep reading for more details to get low prices and find missing discounts.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the price quotes to your current policy premium to determine if you can save on Fiesta insurance. If you find a better price and change companies, make sure there is no coverage gap between policies.
Step 4: Provide proper notification to your current company of your decision to cancel the current policy. Submit the application along with any required down payment to the newly selected company. As soon as you can, put the new certificate of insurance in your glove compartment.
One bit of advice is to compare identical coverage information on each quote request and and to get prices from as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and and a good selection of different prices.
If you have a current car insurance policy or are shopping for new coverage, use these money-saving tips to reduce premiums without reducing protection. This information will help you learn how to compare rates easily and some tips to save money. Drivers only need an understanding of the proper methods to shop online.
How to buy Ford Fiesta insurance online
Finding a lower price on insurance can be surprisingly simple. The only thing you need to do is spend a few minutes on the computer comparing rate quotes online with multiple companies.
The companies in the list below have been selected to offer comparison quotes in California. If you want to find the best cheap auto insurance in Long Beach, CA, we suggest you visit as many as you can to get the best price comparison.
Companies offer many types of discounts on Ford Fiesta insurance in Long Beach
Car insurance is not cheap, but you might find some hidden discounts to help offset the cost. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically in order for you to get them.
- Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on your next car insurance statement.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
- New Vehicle Savings – Putting insurance coverage on a new Fiesta can get you a discount because newer models keep occupants safer.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
- Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
- Waiver for an Accident – Not necessarily a discount, but certain companies will forgive one accident before raising your premiums with the catch being you have to be claim-free before the accident.
- Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more and also improve your driving technique.
Drivers should understand that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.
Insurance companies who might offer these money-saving discounts include:
When comparing rates, check with every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in Long Beach. To view car insurance companies that can offer you the previously mentioned discounts in Long Beach, click here.
Here’s why insurance is not optional
Despite the potentially high cost of Ford Fiesta insurance, paying for insurance is a good idea for several reasons.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability insurance if you don’t want to risk a ticket. 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 you bought your Ford Fiesta with a loan, most banks will have a requirement that you carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank will be required to insure your Ford at a more expensive rate and force you to pay much more than you were paying before.
Third, insurance preserves both your assets and your car. Insurance will pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your insurance policy will pay to have it repaired.
The benefits of insuring your Fiesta greatly outweigh the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $850 per year so compare rate quotes at every renewal to ensure rates are competitive.
California auto insurance companies
Ending up with the best insurance company can be rather challenging considering how many companies provide coverage in Long Beach. The company information in the lists below may help you pick which auto insurance companies 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
Get rate quotes but buy from a local neighborhood Long Beach car insurance agent
Some consumers prefer to visit with an insurance agent and that can be a great decision Insurance agents are trained risk managers and help submit paperwork. A nice benefit of comparing rates online is the fact that you can find lower auto insurance rates and still buy from a local agent. Supporting local insurance agents is definitely important in Long Beach.
After filling out this form (opens in new window), your coverage information is submitted to local insurance agents who will gladly provide quotes for your business. You never need to search for an agent since price quotes are sent immediately to your email address. If you need to get a comparison quote from a particular provider, you just need to go to their quote page and complete a quote there.
Listed below is a list of car insurance companies in Long Beach that may be able to provide price quotes for Ford Fiesta insurance in Long Beach.
- Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map - Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map - Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map - Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
Choosing the best insurance company requires more thought than just the premium amount. Before buying a policy in Long Beach, get answers to these questions.
- What insurance companies do they work with in Long Beach?
- How long have they worked with personal auto insurance coverage?
- How are they compensated?
- Can you use your own choice of collision repair facility?
- How often do they review coverages?
- Does the agent have a valid license to sell insurance in California?