Has it been a year or more since you last compared quotes for the cheapest insurance rates in Long Beach, CA? Long Beach shoppers have a choice when shopping for the lowest priced Chrysler Town and Country insurance. You can either spend your time calling around trying to get quotes or use the internet to compare rates. There are more efficient ways to shop for insurance and we’ll show you the proper way to quote coverages on a Chrysler and find the lowest possible price from both online companies and Long Beach agents.
Get cheaper rates on Chrysler Town and Country insurance in Long Beach with these auto insurance discounts
Insuring your vehicles can cost a lot, but you might already qualify for some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be inquired about in order for you to get them.
- Save with More Vehicles Insured – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
- Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
- No Charge for an Accident – This one isn’t a discount, but a few companies such as GEICO and Allstate allow you one accident without the usual rate increase if you have no claims prior to being involved in the accident.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than drivers with accidents.
- Switch and Save Discount – Some insurance companies reward drivers for renewing your policy prior to your current Town and Country insurance policy expiration. It’s a savings of about 10%.
- Multi-line Discount – Select insurance companies reward you with a small discount if you purchase some life insurance too.
- Driver’s Education for Students – Have your child complete a driver education course as it will make them better drivers and lower rates.
- Distant College Student Discount – College-age children who are attending college and do not have access to a covered vehicle could get you a discount.
- Theft Deterrent – Cars and trucks with anti-theft systems help deter theft and earn discounts up to 10% off your Long Beach car insurance quote.
- Memberships – Having an affiliation with a qualifying organization could earn you a nice discount on auto insurance.
While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will definitely reduce the premium cost.
The information below shows the comparison of Chrysler Town and Country yearly insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, homeowner, and safe-driver discounts applied.
Larger auto insurance companies and their offered discounts are:
- Progressive has discounts for continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
- MetLife may include discounts for multi-policy, good driver, good student, accident-free, claim-free, defensive driver
- Mercury Insurance policyholders can earn discounts including professional/association, accident-free, multi-policy, multi-car, type of vehicle, annual mileage, and location of vehicle.
- Nationwide offers premium reductions for accident-free, family plan, defensive driving, Farm Bureau membership, multi-policy, good student, and business or organization.
- GEICO offers discounts for emergency military deployment, good student, military active duty, federal employee, membership and employees, daytime running lights, and multi-vehicle.
- AAA discounts include good student, good driver, multi-car, education and occupation, and multi-policy.
If you are trying to find affordable Chrysler Town and Country insurance quotes, ask every prospective company how many discounts you can get. All car insurance discounts may not apply to policyholders in your area.
The car insurance companies shown below are ready to provide price quotes in Long Beach, CA. If you wish to find cheaper car insurance in Long Beach, we recommend you visit two to three different companies to find the cheapest car insurance rates.
Insurance coverage details
The rate information below showcases detailed analysis of coverage costs for Chrysler Town and Country models. Having insight into how insurance quotes are formulated can benefit drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $390 | $472 | $492 | $30 | $148 | $1,532 | $128 |
| Town and Country Touring | $440 | $576 | $492 | $30 | $148 | $1,686 | $141 |
| Town and Country Signature | $440 | $576 | $492 | $30 | $148 | $1,686 | $141 |
| Town and Country Touring Plus | $440 | $576 | $492 | $30 | $148 | $1,686 | $141 |
| Town and Country Limited | $490 | $678 | $492 | $30 | $148 | $1,838 | $153 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in Long Beach location which can raise or lower rates significantly.
Physical damage deductibles
When comparing car insurance rates, the most common question is how low should you set your deductibles. The following tables lay out the rate differences of buying low and high policy deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $380 | $564 | $376 | $22 | $112 | $1,479 | $123 |
| Town and Country Touring | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Town and Country Signature | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Town and Country Touring Plus | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Town and Country Limited | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $210 | $298 | $376 | $22 | $112 | $1,018 | $85 |
| Town and Country Touring | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Town and Country Signature | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Town and Country Touring Plus | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Town and Country Limited | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in Long Beach location which can decrease or increase auto insurance rates greatly.
Based on the figures above, using a $100 deductible costs approximately $45 more each month or $540 annually averaged for all Town and Country models than selecting the higher $1,000 deductible. Because you would be required 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 claims, you would probably be better off if you decide on a higher deductible.
The chart below demonstrates how deductibles and can raise or lower Chrysler Town and Country annual premium costs for each age group. The rate quotes are based on a married female driver, full coverage, and no additional discounts are factored in.
How accidents and violations affect rates
The information below highlights how speeding tickets and accident claims influence Chrysler Town and Country insurance costs for each different age category. The data is based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Men versus women drivers and insurance cost
The diagram below shows the comparison of Chrysler Town and Country insurance rates for male and female drivers. The prices are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are factored in.
Chrysler Town and Country liability rates compared to full coverage
The diagram below visualizes the comparison of Chrysler Town and Country insurance rates with liability coverage only compared to full coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.
Deciding between full coverage and liability only
There isn’t a steadfast formula of when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your Chrysler Town and Country claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your deductible. If premiums are more than $500 annually for full coverage, then you may want to consider only buying liability coverage.
There are a few situations where only buying liability is not advised. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.
Insurance agents can help
A lot of people would rather talk to a local agent and that can be a smart move Good insurance agents can point out coverage gaps and help file insurance claims. One of the benefits of getting free rate quotes online is that you can find cheap auto insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your insurance data is sent to agents in your area that can provide free Long Beach car insurance quotes for your coverage. There is no reason to find an agent on your own because prices are sent to you instantly. If you have a need to get a rate quote for a specific company, feel free to go to their quote page and fill out the quote form the provide.
Selecting an provider needs to be determined by more than just a low price. Some important questions to ask are:
- Where are claims handled?
- How often do they review policy coverages?
- Will high miles depreciate repair valuations?
- Can they give you a list of client referrals?
- Do you work with a CSR or direct with the agent?
Exclusive or Independent: There is a difference
If you’re trying to find a local Long Beach insurance agency, it helps to know the two types of agencies and how they differ in how they quote coverages. Auto insurance policy providers are classified as either independent agents or exclusive agents. Both types can do a good job, but it’s good to learn the differences because it can impact the kind of agent you use.
Exclusive Insurance Agencies
Agents that elect to be exclusive have only one company to place business with and some examples include American Family, State Farm, and Allstate. They generally cannot provide rate quotes from other companies so they have no alternatives for high prices. They are well schooled on the products they sell which aids in selling service over price. A lot of people buy from exclusive agents primarily because of loyalty to the company rather than low rates.
The following is a list of exclusive insurance agents in Long Beach willing to provide price quotes.
- Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 – View Map - Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488 – View Map - Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map
Independent Auto Insurance Agents
Independent insurance agents are not restricted to one company and that is an advantage because they can write policies through many companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When comparing auto insurance prices, you absolutely need to get several quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many can place coverage with different regional companies that may have much lower rates than larger companies.
Listed below is a short list of independent insurance agents in Long Beach that are able to give price quotes.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map - Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map - Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map
Ratings for Long Beach car insurance companies
Picking a highly-rated car insurance company is difficult considering how many companies sell insurance in Long Beach. The rank data below could help you analyze which insurers you want to consider shopping your coverage with.
Top 10 Long Beach Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Long Beach Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
In Summary
People change insurance companies for a variety of reasons including extreme rates for teen drivers, poor customer service, lack of trust in their agent and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies can be pretty painless.
As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best possible price.
In this article, we presented a lot of information how to shop for Chrysler Town and Country insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper Long Beach car insurance quotes. Drivers may even discover the best car insurance rates are with some of the lesser-known companies.
How to find better rates for Chrysler Town and Country insurance in Long Beach
The best way to get budget Chrysler Town and Country insurance is to start comparing rates regularly from companies who sell auto insurance in Long Beach. Rates can be compared by following these steps.
First, try to learn a little about how companies set rates and the things you can control to prevent high rates. Many rating factors that result in higher prices like distracted driving and a less-than-favorable credit history can be remedied by paying attention to minor details.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple companies. View a list of agents
Third, compare the new quotes to your current policy premium and determine if cheaper Town and Country coverage is available. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
The critical component of shopping around is to use similar coverage information on every quote request and and to get rate quotes from all possible companies. This guarantees a level playing field and many rates to choose from.
Much more information about insurance in California can be read at the links below
- Property Damage Coverage (Liberty Mutual)
- Who Has Affordable Long Beach Auto Insurance Rates for Postal Workers? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Long Beach? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Safe Vehicles for Teens (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)