A recent auto insurance study discovered that most auto insurance buyers kept their coverage with the same auto insurance company for well over three years, and approximately 38% of consumers have never compared rate quotes at all. The average driver in California could cut their rates by about $470 a year by just comparing quotes, but they just assume it’s a time-consuming process to compare other rate quotes.
The best way we recommend to get budget auto insurance rates in Long Beach is to regularly compare prices from insurers who sell auto insurance in California.
- Take a few minutes and learn about coverages and the modifications you can make to keep rates in check. Many factors that cause rate increases like speeding tickets, careless driving and an imperfect credit score can be eliminated by making minor driving habit or lifestyle changes. Continue reading for more information to help prevent costly coverage and find additional discounts.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple companies. View prices
- Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save some money, make sure coverage does not lapse between policies.
- Tell your current agent or company of your intent to cancel the current policy and submit a completed application and payment to the newly selected company. As soon as you receive it, put the certificate verifying coverage along with the vehicle’s registration papers.
A good piece of advice is to compare similar limits and deductibles on every price quote and and to get quotes from every company you can. Doing this guarantees a fair rate comparison and the best price quote selection.
Cheap Honda insurance prices in Long Beach
The following companies are ready to provide price comparisons in Long Beach, CA. If you want to find cheap auto insurance in California, we suggest you visit as many as you can to get the most affordable price.
Honda Insight coverage analysis
The premium information shown next covers a range of insurance premium costs for Honda Insight models. Being able to understand how car insurance prices are established can be of help when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $268 | $570 | $596 | $36 | $178 | $1,648 | $137 |
| Insight EX | $308 | $672 | $596 | $36 | $178 | $1,790 | $149 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in your specific Long Beach location which can decrease or increase premium rates noticeably.
Higher deductibles lower rates
A question often asked by Long Beach drivers is how high should the physical damage coverage deductibles be. The comparisons below help summarize how much more rates are when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Insight EX | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Insight EX | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in vehicle location which can decrease or increase prices noticeably.
We can estimate from the data above that using a $100 deductible costs roughly $44 more each month or $528 for a full year than selecting 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 tend to have at least 20 months between claim filings, you would save more money by selecting a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $144 |
| Average monthly premium for $1,000 deductibles (subtract): | – $100 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One thing to be aware of is that increasing deductibles to save money means you will have to pay more out-of-pocket at claim time. You should have some funds available in the event you have to pay the deductible to have repairs made.
The diagram below illustrates how choosing a deductible and can influence Honda Insight insurance premiums for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Auto insurance prices based on gender
The illustration below illustrates the difference between Honda Insight yearly insurance costs for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.
Price comparison of only insuring for liability
The example below compares Honda Insight insurance rates with and without physical damage coverage. The information is based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are factored in.
Guidelines for eliminating full coverage
There isn’t a steadfast formula that works best for making the decision to drop physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your Honda Insight book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying more than $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Informed Drivers Know How to Get Auto Insurance Cheaper
When buying auto insurance it’s important to understand some of the things that aid in calculating your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that may result in cheaper rates. Lots of things are used in the calculation when quoting car insurance. Most are fairly basic such as your driving history, but others are less apparent such as your credit history or how financially stable you are.
- Car insurance liability coverage limits – A critical coverage on your policy, liability insurance is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage starting from day one. Liability is cheap compared to other policy coverages, so do not cut corners here.
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Performance makes a difference – The performance level of the car or truck you need insurance for makes a huge difference in your rates. The lowest base rates are usually for smaller low performance passenger models, but many other things help determine your insurance rates.
The next chart uses these assumptions: married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Honda Insight rates compared to other models that have different performances.
- Low deductibles mean high premiums – Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage coverage, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage caused by hail, and damage from wind. The more money you pay before a claim is paid (deductible), the bigger discount you will receive.
- Safer cars save money – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Honda has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Cheaper rates with these discounts
Some providers do not advertise every possible discount very clearly, so the next list breaks down a few of the more common and also the more inconspicuous discounts that you may qualify for.
- Early Signing – Some auto insurance companies give discounts for buying a new policy before your current coverage expires. The savings is around 10%.
- Auto/Life Discount – Larger auto insurance companies have a lower auto insurance rate if you buy a life policy as well.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
- Accident Forgiveness – This one is not really a discount per se, but some companies like Progressive and Allstate will let one accident slide before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower auto insurance rates.
- College Student – Older children who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
As a footnote on discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
The diagram below shows the difference between Honda Insight annual premium costs with and without discounts being applied to the rates. The information is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
Large auto insurance companies and their possible discounts can be read below.
- 21st Century may include discounts for homeowners, student driver, driver training, air bags, theft prevention, and automatic seat belts.
- State Farm may offer discounts for student away at school, multiple autos, defensive driving training, Drive Safe & Save, and anti-theft.
- AAA has savings for anti-theft, multi-car, multi-policy, good student, and good driver.
- Liberty Mutual offers premium reductions for new graduate, exclusive group savings, safety features, teen driver discount, good student, and preferred payment discount.
- Progressive offers discounts for multi-vehicle, online quote discount, continuous coverage, online signing, multi-policy, good student, and homeowner.
Check with every prospective company the best way to save money. Some credits might not be available to policyholders in Long Beach. To find companies who offer online Honda Insight insurance quotes in Long Beach, click here to view.
Can’t I get rate quotes from local Long Beach insurance agents?
Some people still like to buy from a local agent and that is OK! Professional insurance agents are highly skilled in risk management and will help you if you have claims. The biggest benefit of getting online price quotes is you can get the lowest rates and still have an agent to talk to. And supporting local insurance agents is especially important in Long Beach.
By using this short form, your insurance coverage information is emailed to companies in Long Beach that provide free Long Beach auto insurance quotes and help you find cheaper coverage. You never need to find an agent on your own because prices are sent straight to your inbox. In the event you want to get a rate quote for a specific company, you would need to go to their quote page and submit a quote form there.
Different types of Long Beach auto insurance agents
When researching a reliable agent, you should know the different agency structures that you can choose from. Car insurance agents in Long Beach are either independent (non-exclusive) or exclusive. Both types of agents can insure your vehicles properly, but it’s important to point out the subtle differences since it can impact which agent you choose.
Independent Car Insurance Agents (or Brokers)
Independent insurance agents are appointed with more than one company so they can insure your vehicles amongst many companies and get you the best rates possible. If you want to switch companies, an independent agent can move your coverage which requires no work on your part. If you are comparing car insurance prices, we highly recommend that you compare quotes from a few independent agents to have the most options to choose from. Many can place coverage with companies that do not advertise much who may have lower rates.
The following is a small list of independent agents in Long Beach who may provide price 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 - Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
Exclusive Agencies
Agents that choose to be exclusive can only quote rates from one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents receive extensive training in insurance sales which helps overcome the inability to quote other rates. Consumers sometimes choose to use an exclusive agent mostly because of the brand legacy and solid financial strength.
Shown below are Long Beach exclusive insurance agents that can give you price quotes.
- Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 – View Map - Farmers Insurance – Troy Kelly
5353 E 2nd St #207 – Long Beach, CA 90803 – (562) 434-0301 – View Map - Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 – View Map
Finding the right insurance agent is decision based upon more than just a cheap price. Here are some questions to ask:
- What insurance companies do they work with in Long Beach?
- Do they review policy coverages at every renewal?
- Are they involved in claim handling?
- Is there a 24/7 contact number?
- Does the company allow you to choose your own collision repair facility?
- Do they regularly work with personal auto policies in Long Beach?
- Can they provide you with a list of referrals?
- How would your car be valued if totaled?
When should I discuss my situation with an agent?
When choosing coverage for your vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
These are some specific questions might help in determining if your insurance needs would benefit from professional advice.
- When do I need to add a new car to my policy?
- Is there coverage for injuries to my pets?
- What is no-fault insurance?
- Do I really need UM/UIM coverage?
- When can I cancel my policy?
- How can I force my company to pay a claim?
- Is other people’s property covered if stolen from my vehicle?
- What is an SR-22 filing?
- Does my insurance cover a custom paint job?
- Can I pay claims out-of-pocket if I buy high deductibles?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
Smart consumers save more
Consumers leave their current company for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, high rates after DUI convictions or not issuing a premium refund. Regardless of your reason, finding a new insurance company can be easy and end up saving you some money.
We’ve covered some good ideas how you can reduce Honda Insight insurance car insurance rates online in Long Beach. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding the cheapest Honda Insight rate quotes. You may even find the biggest savings come from a small mutual company.
When getting Long Beach auto insurance quotes online, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. Your objective should be to buy the best coverage you can find at the best possible price.
Additional insurance information can be read at the links below
- Vehicle Size and Weight FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for Hybrid Vehicles in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Quotes for Good Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Welfare Recipients in Long Beach? (FAQ)
- Who Has Cheap Long Beach Car Insurance Quotes for Active Military? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Long Beach? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
- Choosing an Insurance Company (Insurance Information Institute)