The words “low-cost” and “auto insurance” really don’t belong together, especially when you are searching for the best car insurance for immigrants. To help control this cost, let’s start off by going over some things that impact car insurance premiums, and find a few ways to reduce the cost of the next policy you buy.
Locating affordable car insurance is not the easiest thing to do, and figuring out which companies offer the best insurance rates for immigrants may require even more diligence.
Each auto insurer has a proprietary method for establishing rates, so let’s begin by examining the insurance companies that tend to have lower prices in California. It’s important that you understand Long Beach insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Improving your credit rating, marrying your spouse, or having an accident may generate price changes resulting in some companies being less affordable than competitors.
Find the Best Cheap Insurance for Migrants
USAA has some of the best car insurance rates in Long Beach at around $1,109 each year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also qualify as some of the best Long Beach, CA auto insurance companies.
In the rate table above, if you currently have coverage with Wawanesa and switched to USAA, you might realize a yearly price reduction of around $37. Customers with CSAA could save as much as $113 a year, and Nationwide policyholders might cut rates by $117 a year.
Bear in mind that those policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a specific zip code for immigrants. So the auto insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
One of the many components that are used to help calculate the cost of insurance is where you keep your vehicle. Cities with more crime and/or more people tend to have higher rates, whereas more rural areas benefit from lower rates.
The next table lists the highest-priced places in California for immigrants to buy an auto insurance policy in. Long Beach is ranked at #7 having an annual price of $1,610 on average, which is approximately $134 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,720 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Stockton | $1,603 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Fontana | $1,535 |
| 12 | Santa Clarita | $1,533 |
| 13 | Modesto | $1,532 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,482 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | Bakersfield | $1,394 |
| Compare Rates Now Go | ||
Prices are estimated as the specific area where the vehicle is garaged can influence premium rates significantly.
Get discount Long Beach auto insurance rates
Auto insurance companies that offer quotes for immigrants may also provide premium discounts that could potentially reduce rates by as much as 40% or more if you meet the requirements. Larger insurance companies and a selection of discounts are included below.
- State Farm includes discounts for good student, passive restraint, defensive driving training, anti-theft, multiple autos, and student away at school.
- GEICO may have discounts that include air bags, anti-lock brakes, defensive driver, daytime running lights, membership and employees, and multi-vehicle.
- SAFECO has savings for teen safety rewards, accident prevention training, anti-lock brakes, teen safe driver, drive less, homeowner, and bundle discounts.
- Farmers Insurance has discounts for early shopping, mature driver, distant student, electronic funds transfer, pay in full, and business and professional.
- AAA offers discounts including multi-policy, anti-theft, education and occupation, multi-car, AAA membership discount, good driver, and pay-in-full.
- USAA may offer discounts for annual mileage, family discount, good student, safe driver, and loyalty savings.
The illustration below shows the difference between car insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, defensive driving course, claim-free, vehicle safety, multiple policy, and multiple vehicle discounts applied. When discounts are factored in, the average savings per year on insurance for immigrants is 28% or $777.
Cost of full coverage in Long Beach
Saving money when shopping for insurance is important to the majority of people, and a great way to find cheaper insurance for immigrants is to not insure for full coverage. The chart below shows the comparison of premium costs with full physical damage coverage and with liability coverage only. The premiums assume no violations or accidents, $1,000 deductibles, single status, and no other discounts are factored in.
Averaged for all ages 20 through 70, full coverage costs $2,467 per year over having just liability coverage. That brings up the question if paying for full coverage is a waste of money. There is no specific rule of when to phase out physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your vehicle’s claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying your deductible. If premiums are more than $700 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few cases where only buying liability is not a good plan. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Can you find cheaper Long Beach car insurance?
California insurance rates are impacted by many factors that can increase the policy price. Improving your credit score, having a claim, or getting a speeding ticket can cause premium changes resulting in some companies being cheaper than competitors.
In addition, insurers modify rates multiple times each year to reflect underwriting profits or losses. Heavier than normal losses can cause higher priced premiums, while a lower level of claims may produce lower-priced Long Beach car insurance rates.
To illustrate this example, the chart below shows rates for the cheapest car insurance in Long Beach, CA for a 30-year-old male driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on his current rating profile, USAA may have the best car insurance rates in Long Beach at $1,343 per year. This is $308 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the cheapest Long Beach, CA auto insurance companies.
Let’s now give the driver in the first chart a couple of claims, poor credit, and a traffic citation. Because each insurer has their own guidelines for determining rates, comparing rates may now result in a significantly different list of cheap Long Beach auto insurance companies as shown below.
Grange now has the cheapest rate in Long Beach, CA with Allstate, Mercury, Progressive, and GEICO now being in the top five. This illustrates why California drivers need to compare many different companies to find cheap car insurance quotes for immigrants. Rates are determined by many different factors and can increase or decrease at any time, so the best price when you bought your policy may now be wasting a lot of money.
If you have questions and prefer to get some professional advice when shopping for cheaper insurance for foreigners, the agents shown below can probably answer your questions and help you decide which auto insurance policy fits you best.
To locate a Long Beach car insurance agency in your neighborhood, click the button after the list or click here to compare price quotes now.
- Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 - Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 - Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 - Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819
Find a Long Beach, CA insurance agent near you
How to find cheaper auto insurance for immigrants
Here are some of the recommended penny-pinching suggestions that can help California drivers locate lower-cost coverage.
- Do not get into accidents that are your fault
- Better credit scores save money
- Drive safe vehicles
- Raise deductibles
- Save money by observing traffic laws and speed limits
- Shop around for cheaper prices
The last tip in the list is notably critical, as was pointed out in this article. Auto insurance prices in Long Beach fluctuate constantly, so don’t be hesitant to switch to a new company if you can find a cheaper rate.
We understand brand loyalty, but it’s not a great idea if that dedication is costing a small fortune year after year. It only take a few minutes to compare rates to find cheaper auto insurance for immigrants.