It’s an obvious statement that insurance companies want to prevent you from shopping around. Insureds who do rate comparisons will presumably switch to a new company because of the high probability of finding lower prices. A recent car insurance study revealed that people who routinely compared quotes saved over $3,400 over four years compared to policyholders who didn’t regularly shop around.
If finding the best rates on auto insurance is your ultimate goal, then learning a little about how to compare cheaper coverage can help simplify the task of finding more affordable coverage.
The preferred way to find cheaper car insurance rates in Long Beach is to compare prices annually from companies who provide auto insurance in California. Prices can be compared by following these guidelines.
First, read about how car insurance works and the measures you can take to keep rates in check. Many things that result in higher rates like accidents, careless driving, and an unacceptable credit rating can be amended by paying attention to minor details.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple companies.
Third, compare the new quotes to your existing policy and determine if cheaper Pilot coverage is available in Long Beach. If you can save some money, ensure coverage does not lapse between policies.
Fourth, notify your current company of your intention to cancel your existing policy. Submit any necessary down payment along with the completed application to the new company. Once coverage is bound, keep the new proof of insurance paperwork in your vehicle’s glove compartment or console.
A good tip to remember is to make sure you’re comparing the same liability limits and deductibles on every quote request and and to get rates from as many companies as feasibly possible. Doing this enables an accurate price comparison and the best rate selection.
The best way to compare insurance rates in your area is to know all the major auto insurance companies allow for online access to compare rate quotes. To start a quote, the only thing you need to do is provide a little information like how much you drive, level of coverage desired, the type of vehicles you drive, and how your vehicles are used. The data gets sent immediately to all major companies and you will receive price estimates immediately.
To find the cheapest Honda Pilot insurance rates, click here and find out if you can get cheaper insurance in Long Beach.
The companies in the list below are ready to provide price comparisons in Long Beach, CA. To get the cheapest car insurance in Long Beach, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Coverage statistics and figures
The price information shown below covers detailed analysis of coverage prices for Honda Pilot models. Being aware of how insurance prices are formulated can assist in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Pilot EX 2WD | $238 | $298 | $442 | $26 | $132 | $1,136 | $95 |
| Pilot EX 4WD | $238 | $298 | $442 | $26 | $132 | $1,136 | $95 |
| Pilot EX-L 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Pilot EX-L 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Pilot Touring 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Pilot Touring 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in garaging location in Long Beach which can decrease or increase auto insurance rates considerably.
Drive safe and save
The chart below highlights how speeding tickets and at-fault claims impact Honda Pilot auto insurance costs for different ages of insureds. The rates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Car insurance rates based on gender
The diagram below shows the comparison of Honda Pilot insurance costs for male and female drivers. Data assumes no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below illustrates the comparison of Honda Pilot insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or violations, $100 deductibles, single status, and no additional discounts are factored in.
Should you be buying full coverage?
There isn’t a steadfast formula that is best for determining when to drop full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your Honda Pilot replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the deductible is paid. If you are currently paying more than $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Do you qualify for discounts on Honda Pilot insurance in Long Beach?
Car insurance can cost a lot, but companies offer discounts that can help lower your rates. Larger premium reductions will be automatically applied when you complete an application, but some need to be specifically requested before you get the savings.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- Good Student – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
- First Accident Forgiveness – Not a discount per se, but some companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before your rates go up as long as you don’t have any claims prior to the accident.
- Government Employees – Having worked for a branch of the government can earn a discount up to 10% with certain companies.
- Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
- Distant College Student Discount – College-age children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
As a sidenote, most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.
The example below shows the difference between Honda Pilot premium costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, multi-car, safe-driver, and homeowner discounts applied.
Companies and their possible discounts are shown below.
- GEICO offers discounts for anti-lock brakes, multi-vehicle, good student, daytime running lights, federal employee, and air bags.
- MetLife may have discounts that include accident-free, claim-free, multi-policy, defensive driver, and good student.
- State Farm may include discounts for student away at school, multiple autos, passive restraint, multiple policy, good student, and driver’s education.
- Progressive discounts include online quote discount, good student, multi-policy, online signing, homeowner, continuous coverage, and multi-vehicle.
- Mercury Insurance may offer discounts for accident-free, good driver, location of vehicle, professional/association, type of vehicle, age of vehicle, and multi-policy.
- 21st Century policyholders can earn discounts including air bags, theft prevention, early bird, automatic seat belts, good student, and student driver.
- Allstate offers premium reductions for anti-theft, good payer, teenSMART discount, auto/life discount, and multi-policy.
Before you buy a policy, ask each company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area.
Three reasons car insurance is important
Even though Long Beach Pilot insurance rates can get expensive, insurance is a good idea for several reasons.
- Just about all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability protection 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 you took out a loan on your Honda, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender will be forced to insure your Honda at a more expensive rate and force you to pay the higher premium.
- Insurance protects your vehicle and your assets. Insurance will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. According to a recent study, the average American driver is currently overpaying as much as $869 every year so shop around at every renewal to be sure current rates are still competitive.
Best car insurance company in California
Ending up with the best car insurance provider can be a challenge considering how many choices drivers have in Long Beach. The ranking information shown next could help you decide which providers you want to consider shopping prices with.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Auto insurance is available from agents near you
Some consumers prefer to talk to a local agent and that is OK! Most agents will help you protect your assets and will help you if you have claims. The best thing about comparing insurance prices online is the fact that you can find cheap auto insurance quotes and still buy from a local agent.
After completing this short form, the coverage information is emailed to insurance agents in Long Beach who will give you quotes for your business. There is no reason to leave your computer since rate quotes are delivered directly to you. If you need to quote rates from a specific auto insurance provider, you just need to go to their quote page and submit a quote form there.
Finding the right insurance company is decision based upon more than just the price. Here are some questions you might want to ask.
- Are claim adjusters local or do you have to take your car somewhere else?
- How much will you save each year by using a higher deductible?
- What insurance company do they write the most business with?
- How are they compensated?
- Does the company have a solid financial rating?
The different types of auto insurance agents
When searching for an insurance agent, it helps to know the two different agency structures that you can choose from. Auto insurance agents can either be exclusive agents or independent agents. Either one can properly insure your vehicles, but it’s worth learning the subtle differences since it can affect which agent you choose.
Exclusive Insurance Agencies
Exclusive insurance agents can only provide one company’s prices like Farmers Insurance or State Farm. Exclusive agents are unable to provide other company’s prices so you need to shop around if the rates are high. These agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Some insured continue to purchase coverage from exclusives primarily because of the prominence of the brand rather than having the cheapest rates.
Shown below is a list of exclusive insurance agencies in Long Beach that can give you price quote information.
- Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488 – View Map - Jeff Morgan – State Farm Insurance Agent
4087 Long Beach Blvd – Long Beach, CA 90807 – (562) 595-6969 – View Map - Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726 – View Map
Independent Insurance Agents
Agents that choose to be independent are appointed with more than one company and that allows them to write policies through lots of different companies and find the cheapest rate. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to switch agencies.
If you are comparing auto insurance prices, you will want to include rate quotes from a few independent agents to maximize your price options. Many write coverage with smaller regional carriers that many times have cheaper rates.
Below are independent agents in Long Beach who can help you get comparison quotes.
- Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – 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
After talking to the agent and getting good answers to any questions you have as well as affordable Honda Pilot insurance rates in Long Beach quotes, chances are good that you have found an insurance agency that is professional and can adequately provide auto insurance.
Specific coverage details
Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.
Liability coverages
This coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability coverage pays for things such as structural damage, funeral expenses and loss of income. How much coverage you buy is a personal decision, but buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The chart below demonstrates why low liability limits may not be high enough to cover claims.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for bills like pain medications, doctor visits and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Honda Pilot.
Due to the fact that many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Comprehensive insurance
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as falling objects, hitting a bird and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision insurance
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible on your Pilot to get cheaper collision coverage.