A recent NerdWallet.com study revealed that the vast majority of insurance customers have stayed with the same insurance company for over three years, and 38% of drivers have never even shopped around for cheap coverage. Most drivers in Long Beach could save 35% every year just by shopping around, but most undervalue the amount of savings they would get if they switched to a cheaper policy.
The most effective way to get cheaper car insurance rates in Long Beach is to compare quotes once a year from different companies who provide auto insurance in California.
- First, learn about how insurance companies determine prices and the measures you can control to prevent high rates. Many things that cause rate increases such as your driving record and an imperfect credit history can be controlled by being financially responsible and driving safely. This article provides information to get lower rates and find possible discounts that are available.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while independent agents can quote prices from many different companies.
- Third, compare the price quotes to your existing coverage to see if a cheaper rate is available in Long Beach. If you can save money and buy the policy, make sure there is no coverage gap between policies.
The key aspect of shopping around is to compare identical limits and deductibles on every price quote and to quote with every insurance company. This provides an apples-to-apples comparison and plenty of rates choose from.
Cheap companies for Suzuki Grand Vitara insurance in California
The providers in the list below are our best choices to provide comparison quotes in Long Beach, CA. To find cheap auto insurance in Long Beach, it’s a good idea that you visit several of them to find the most affordable auto insurance rates.
Premium rates and analysis
The rate information displayed below covers a range of coverage prices for Suzuki Grand Vitara models. Learning a little about how insurance policy premiums are established can help customers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $420 | $790 | $534 | $32 | $160 | $1,936 | $161 |
| Grand Vitara Premium 2WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Grand Vitara Premium 4WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Grand Vitara Limited 2WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Grand Vitara Special Edition 4WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Grand Vitara XSport 2WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Grand Vitara Limited 4WD | $468 | $930 | $534 | $32 | $160 | $2,124 | $177 |
| Grand Vitara XSport 4WD | $468 | $930 | $534 | $32 | $160 | $2,124 | $177 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can modify coverage prices substantially.
Policy deductibles
One of the most common auto insurance questions is how high should the physical damage deductibles be. The comparisons below can help illustrate the premium difference between low and high deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Grand Vitara Premium 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Premium 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Limited 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Special Edition 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara XSport 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Grand Vitara Limited 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Grand Vitara XSport 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Grand Vitara Premium 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Premium 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Limited 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Special Edition 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara XSport 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Grand Vitara Limited 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Grand Vitara XSport 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| 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 safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can revise price quotes noticeably.
Based on the data above, we can derive that using a $250 deductible will cost you roughly $36 more each month or $432 each year averaged for all Grand Vitara models than requesting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 21 months between claims, you would probably come out ahead if you decide on a higher deductible.
The chart below illustrates how your deductible choice and can impact Suzuki Grand Vitara insurance prices for different categories of driver ages. The data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.
Impact of speeding/accidents on Long Beach auto insurance rates
The illustration below highlights how speeding tickets and accidents influence Suzuki Grand Vitara premium costs for different insured age categories. The costs are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Cheaper rates with these discounts on Suzuki Grand Vitara insurance in Long Beach
Car insurance is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Some discounts will apply at the time of quoting, but some discounts are required to be asked for prior to receiving the credit. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.
- Own a Home – Just being a homeowner can save a few bucks because owning a home requires personal responsibility.
- Discount for Multiple Policies – If you combine your auto and homeowners policies with one company you could get a discount of as much as 10 to 15 percent.
- Accident Waiver – Not really a discount, but a handful of insurance companies will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the PIP or medical payment premium.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
- Safe Driver Discounts – Insureds who avoid accidents may save up to 50% more than drivers with accident claims.
- Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote Long Beach auto insurance but check with your company.
- Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- No Accidents – Claim-free drivers can save substantially in comparison to drivers with a long claim history.
- Paper-free Discount – Some insurance companies will give you a small discount for buying your policy digitally online.
As is typical with insurance, most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below shows the difference between Suzuki Grand Vitara insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no claims, 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 marriage, safe-driver, multi-car, claim-free, multi-policy, and homeowner discounts applied.
To view insurers with discount rates in California, click here to view.
How to Lower Your Insurance Rates
A large part of saving on insurance is knowing a few of the rating criteria that help determine your insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that will entitle you to lower insurance prices. Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are more obscure like where you live or how financially stable you are.
The factors shown below are some of the most common factors used by companies to determine premiums.
Adjust coverage deductibles and save – Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be rear-ending another vehicle, fire damage, or theft of your vehicle. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance.
Insure your auto and home with one company – Most larger insurance companies afford discounts for people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount consumers should still compare other company rates to make sure you are getting the best deal. You may still be able to find lower rates by buying insurance from a different company.
Liability insurance limits on your policy – The liability coverage on your policy will provide protection in the event that you are ruled to be at fault for an accident. Liability provides for a legal defense to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Good credit scores equal low premiums – Having a bad credit score is likely to be a major factor in determining what you pay for insurance. Drivers with very high credit ratings tend to be better drivers and file fewer claims than drivers who have worse credit. If your credit history could use some work, you could be paying less to insure your Suzuki Grand Vitara by taking the time to improve your credit score.
When to have guidance from an insurance agency
Some people still like to visit with an insurance agent and that is a smart decision One of the best bonuses of comparing car insurance online is that you can obtain cheap car insurance quotes and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your information is emailed to agents in your area that provide free Long Beach auto insurance quotes for your business. You never need to even leave your home since price quotes are sent straight to your inbox. It’s the lowest rates without the usual hassles of price shopping. If you wish to compare prices from one company in particular, you can always go to their quote page and submit a quote form there.
Selecting an company needs to be determined by more than just a low price. These are some questions you should get answers to.
- Do they offer claims assistance after hours?
- How many years of experience in personal auto insurance do they have?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What companies can they write with?
- Is the agent properly licensed in California?
- Is coverage determined by price?
When researching a reliable agent, there are a couple of different types of agencies that you can choose from. Car insurance agents are either exclusive or independent.
Exclusive Agencies
Agents in the exclusive channel work for only one company and some examples include Allstate and State Farm. Exclusive agencies are unable to compare other company’s rates so always compare other rates. Exclusive agents are highly trained on sales techniques which can be an advantage. Drivers often buy insurance from these agents primarily because of the prominent brand name instead of buying on price only.
Below are Long Beach exclusive agents who may provide you with price quote information.
- Jeff Morgan – State Farm Insurance Agent
4087 Long Beach Blvd – Long Beach, CA 90807 – (562) 595-6969 – View Map - State Farm: Keir Jones
5150 E Colorado St – Long Beach, CA 90814 – (562) 433-5573 – View Map - Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 – View Map
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If they find a lower price, they simply move the coverage in-house and you can keep the same agent.
When comparing car insurance prices, we recommend you compare quotes from independent agents in order to compare the most rates. Most also have access to small mutual carriers who may have lower rates.
The following is a short list of independent insurance agents in Long Beach willing to provide comparison quotes.
- Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map - Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – 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
Compare but don’t skimp
When searching for cheaper Long Beach auto insurance quotes, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.
Drivers switch companies for a variety of reasons including high prices, policy non-renewal, high rates after DUI convictions or even not issuing a premium refund. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.
We just presented a lot of ways to compare Suzuki Grand Vitara insurance rates in Long Beach. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Long Beach auto insurance quotes. Consumers could even find that the lowest priced insurance comes from the smaller companies.
Additional insurance information is available at the links below
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Veterans in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Quotes for Good Drivers? (FAQ)
- What is the Best Cheap Auto Insurance in Long Beach, CA? (FAQ)
- How Much is Auto Insurance for Police Officers in Long Beach? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Teen Driving Statistics (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)