Surprisingly, a recent survey revealed that nearly 70% of consumers kept their coverage with the same insurance company for at least four years, and approximately 38% of consumers have never compared insurance rates at all. With the average insurance premium being $1,847, American drivers can cut their rates by roughly 47% a year by just comparing quotes, but they feel it’s too difficult to shop their coverage around.
The best way to get cheaper car insurance rates in Long Beach is to regularly compare quotes from insurance carriers who can sell car insurance in California.
- Learn about how insurance companies determine prices and the steps you can take to keep rates low. Many rating factors that increase rates such as at-fault accidents and your credit history can be rectified by making lifestyle changes or driving safer.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agents can give you price quotes from multiple insurance companies.
- Compare the new rates to your current policy premium and see if there is a cheaper rate in Long Beach. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to make sure you enter similar deductibles and liability limits on each quote and and to get price estimates from every insurance company. Doing this helps ensure a level playing field and and a good selection of different prices.
These discounts can lower Hyundai Veracruz insurance rates
Auto insurance is not inexpensive, but you might find some hidden discounts that may help make it more affordable. Certain discounts will be applied at the time of quoting, but some need to be asked for before being credited.
- Auto/Life Discount – Larger insurance carriers have better rates if you take out life insurance from them.
- Passive Restraint Discount – Options like air bags may qualify for discounts up to 30%.
- Save with a New Car – Adding a new car to your policy can get you a discount since newer vehicles have better safety ratings.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Driver’s Ed – Teen drivers should enroll in driver’s education if it’s offered in school.
- Responsible Drivers – Accident-free drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
Drivers should understand that most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.
The information below shows the comparison of Hyundai Veracruz car insurance rates with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, claim-free, and homeowner discounts applied.
Popular auto insurance companies and some of their more popular discounts are:
- Travelers may have discounts that include home ownership, payment discounts, save driver, new car, good student, and multi-policy.
- 21st Century policyholders can earn discounts including automatic seat belts, defensive driver, homeowners, good student, early bird, and 55 and older.
- State Farm may offer discounts for safe vehicle, defensive driving training, driver’s education, accident-free, Steer Clear safe driver discount, multiple autos, and good driver.
- GEICO discounts include daytime running lights, air bags, anti-theft, five-year accident-free, and multi-vehicle.
- SAFECO offers premium reductions for drive less, anti-theft, multi-car, teen safe driver, teen safety rewards, homeowner, and safe driver.
- AAA includes discounts for education and occupation, good driver, multi-policy, multi-car, good student, AAA membership discount, and anti-theft.
If you want cheaper Long Beach auto insurance quotes, ask every company to give you their best rates. Some discounts might not apply in Long Beach.
The companies shown below have been selected to offer free rate quotes in California. To find the best car insurance in Long Beach, CA, we recommend you visit two to three different companies to get the most affordable price.
Premium rates and analysis
The information displayed below covers detailed analysis of insurance costs for Hyundai Veracruz models. Being able to understand how policy rates are calculated is important for drivers to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Veracruz GLS 2WD | $162 | $300 | $354 | $20 | $106 | $942 | $79 |
| Veracruz GLS AWD | $184 | $300 | $354 | $20 | $106 | $964 | $80 |
| Veracruz Limited 2WD | $184 | $354 | $354 | $20 | $106 | $1,018 | $85 |
| Veracruz Limited AWD | $184 | $354 | $354 | $20 | $106 | $1,018 | $85 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can impact rates greatly.
Policy deductible comparison
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The comparisons below illustrate the cost difference between low and high comp and collision deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Veracruz GLS 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Veracruz GLS AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Veracruz Limited 2WD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Veracruz Limited AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Veracruz GLS 2WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Veracruz GLS AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Veracruz Limited 2WD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Veracruz Limited AWD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Long Beach which can raise or lower insurance rates noticeably.
Based on this data, using a $100 deductible costs an average of $47 more each month or $564 each year averaged for all Veracruz models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 19 months between claim filings, you would probably save some money by selecting a higher deductible. The numbers below show a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important caveat is that raising deductibles means you pay more out-of-pocket at claim time. It will be required that you have enough extra savings in order to pay more to get your vehicle repaired.
Drive responsibly or pay higher rates
The illustration below shows how violations and at-fault claims can affect Hyundai Veracruz car insurance rates for different age groups. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Gender-based insurance rates in Long Beach
The diagram below shows the difference between Hyundai Veracruz insurance prices for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no other discounts are factored in.
When to contact a local insurance agent
Certain consumers would rather sit down with an agent and doing so can bring peace of mind Licensed agents can help you choose the best coverages and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain cheap auto insurance quotes but also keep your business local. Buying insurance from local agents is especially important in Long Beach.
Once you complete this form (opens in new window), the coverage information is instantly submitted to participating agents in Long Beach who will give you bids and help you find cheaper coverage. There is no need to drive around since price quotes are sent straight to your inbox. If you need to get a price quote from a specific insurance company, feel free to navigate to their website to submit a rate quote request.
Not all car insurance agents are the same
When looking for a reliable insurance agent, it can be helpful to understand the types of agencies and how they function. Agencies in Long Beach can be described as either independent agents or exclusive agents. Both insure your vehicles, but it’s worth mentioning the difference in how they write coverage because it can factor into which type of agent you select.
Independent Auto Insurance Agents
These type of agents are not employed by one company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If they find a lower price, an independent agent can move your coverage and you don’t have to do anything. When searching for an agent, you absolutely need to compare prices from several independent agencies for maximum quote selection.
The following are independent agents in Long Beach that may be able to give you pricing information.
Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map
Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map
Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map
Exclusive Auto Insurance Agencies
These type of agents can only place business with one company like AAA, Allstate, and State Farm. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are trained well on the products they sell which helps them compete with independent agents.
Listed below are Long Beach exclusive agencies that are able to give comparison quotes.
Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 – View Map
Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map
Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 – View Map
Finding the right auto insurance agent is decision based upon more than just the price. Before buying a policy in Long Beach, get answers to these questions.
- Do you need full coverage on every vehicle?
- How are claims handled?
- Is assistance available after office hours?
- What is the financial rating for the quoted company?
- What company do they have the most business with?
One last thing about your coverage
When buying insurance coverage, you should never buy poor coverage just to save money. In too many instances, an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.
The cheapest Hyundai Veracruz insurance in Long Beach can be bought on the web and from local insurance agents, so you need to shop Long Beach auto insurance with both to get a complete price analysis. A few companies do not offer online rate quotes and many times these small insurance companies provide coverage only through independent agents.
To learn more, link through to these articles:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Long Beach? (FAQ)
- How Much is Auto Insurance with Multiple Speeding Tickets in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Long Beach? (FAQ)
- Information for Teen Drivers (GEICO)
- Understanding Rental Car Insurance (Insurance Information Institute)