It’s a known fact that insurance companies don’t want you quoting rates from other companies. Insureds who compare rates at least once a year will most likely switch insurance companies because there are good odds of finding a lower-priced policy. A study discovered that consumers who shopped around saved as much as $850 each year as compared to drivers who don’t make a habit of comparing rates.
If finding low prices for car insurance is your objective, understanding the best way to quote and compare insurance coverage can make it easier to shop your coverage around.
The preferred way to find cheaper car insurance rates in Long Beach is to compare quotes once a year from providers who provide car insurance in California. Prices can be compared by following these guidelines.
- Take a few minutes and learn about what is in your policy and the changes you can make to keep rates in check. Many risk factors that are responsible for high rates such as careless driving and an unacceptable credit score can be rectified by making lifestyle changes or driving safer.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide rate quotes from many different companies. Click to view companies
- Compare the price quotes to your current policy premium to see if a cheaper price is available in Long Beach. If you find a lower rate, verify that coverage does not lapse between policies.
The most important part of this process is to make sure you enter the same coverage limits and deductibles on each quote and and to get price estimates from as many carriers as you can. This helps ensure a level playing field and a thorough selection of prices.
Finding the cheapest coverage in Long Beach can be much easier if you know how to start. If you have a policy now or just want cheaper rates, you can follow these tips to get lower rates while maximizing coverage. You just need to learn the most effective way to compare different rates using one simple form.
How to compare Kia Sedona insurance rate quotes in Long Beach, CA
Most larger insurance companies provide price estimates on their websites. Getting Kia Sedona insurance prices online doesn’t take a lot of time as you just enter the coverage amounts you desire into the form. When complete, their quoting system requests your driving and credit reports and returns pricing information based on the data you entered.
Using the web to get rates for Kia Sedona insurance in Long Beach makes it easy to compare insurance prices and it’s very important to get many rate quotes if you are searching for a lower rate.
To fill out one form to compare multiple rates now, compare rates from the companies below. If you have coverage now, it’s recommended that you enter the limits and deductibles as close as possible to your current policy. This makes sure you will receive a price comparison for exact coverage.
The companies in the list below can provide free quotes in California. To buy cheaper auto insurance in Long Beach, CA, we recommend you compare several of them to find the most competitive auto insurance rates.
You may qualify for discounts for Kia Sedona insurance in Long Beach
Some providers don’t always list the complete list of policy discounts in a way that’s easy to find, so the following list contains both well-publicized and the more hidden discounts that may be available.
- Driver Training Discounts – Successfully completing a class that teaches defensive driving techniques could cut 5% off your bill and easily pay for the cost of the class.
- Save over 55 – Older drivers may be able to get reduced rates.
- Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
- No Charge for an Accident – Not a discount per se, but some companies like State Farm and GEICO will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
- Professional Memberships – Participating in a professional or civic organization could trigger savings on your policy.
- Payment Method – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
A quick disclaimer, some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.
The diagram below shows the comparison of Kia Sedona yearly insurance costs with and without policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, safe-driver, and multi-policy discounts applied.
Large auto insurance companies and some of the discounts are shown below.
- State Farm may have discounts that include accident-free, driver’s education, student away at school, safe vehicle, good driver, and Steer Clear safe driver discount.
- Esurance may offer discounts for online quote, homeowner, good driver, DriveSense, online shopper, and Pac-12 alumni.
- Progressive has discounts for homeowner, continuous coverage, good student, online signing, and multi-policy.
- Liberty Mutual policyholders can earn discounts including teen driver discount, good student, preferred payment discount, hybrid vehicle, safety features, and newly retired.
- Auto-Owners Insurance discounts include multiple vehicles, good student, company car, anti-lock brakes, multi-policy, and safe driver.
- GEICO offers discounts including multi-vehicle, membership and employees, multi-policy, five-year accident-free, and military active duty.
Check with each insurance company the best way to save money. Some of the discounts discussed earlier might not be offered on policies in Long Beach. For a list of companies who offer auto insurance discounts in California, click this link.
Insurance coverage analysis
The premium information below covers different coverage costs for Kia Sedona models. Learning a little about how auto insurance premiums are calculated is important for making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $182 | $292 | $424 | $26 | $128 | $1,052 | $88 |
| Sedona LX | $182 | $354 | $424 | $26 | $128 | $1,114 | $93 |
| Sedona EX | $204 | $354 | $424 | $26 | $128 | $1,136 | $95 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in your specific Long Beach location which can impact prices greatly.
Can higher deductibles save money?
When shopping for auto insurance, a common question is which deductibles should you choose. The following insurance rates can help illustrate the cost difference between low and high insurance deductibles. The first table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $380 | $564 | $376 | $22 | $112 | $1,479 | $123 |
| Sedona LX | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Sedona EX | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Sedona LX | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Sedona EX | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in vehicle location which can revise auto insurance rates greatly.
Based on the figures above, using a $100 deductible would cost the average driver about $28 more each month or $336 for a full year averaged for all Sedona models than opting for the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claim filings, you would save money by selecting a higher deductible.
Safe drivers pay cheaper rates
The illustration below shows how speeding tickets and accident claims can raise Kia Sedona insurance prices for each different age category. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
Annual premiums comparing men and women in Long Beach
The information below illustrates the comparison of Kia Sedona yearly insurance costs for male and female drivers. Data assumes a clean driving record, no claims, comp and collision included, $100 deductibles, single status, and no policy discounts are applied.
Full coverage rates vs. liability-only in Long Beach
The chart below illustrates the difference between Kia Sedona insurance prices with full coverage and liability only. The premium estimates are based on no claims or driving violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.
When to drop full coverage
There is no clear-cut rule to eliminate comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Kia Sedona claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If premiums are more than $300 annually for physical damage coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
You may want advice from an insurance agent
Many people would rather talk to an insurance agent and often times that is recommended Agents are trained risk managers and help you file claims. An additional benefit of comparing insurance online is that you can find cheap rate quotes and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to participating agents in Long Beach who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any agents since price quotes are sent directly to your email. If you have a need to get a comparison quote from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.
Choosing a insurer should depend on more than just the price. These questions are important to ask:
- How many companies do they write for?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they offer claims assistance after hours?
- What is the agency’s Better Business Bureau rating?
- Does their agency support local causes in Long Beach?
Shown below are agents in Long Beach that may be willing to give rate quotes for Kia Sedona insurance in Long Beach.
- Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map - Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map - Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map - Farmers Insurance – Troy Kelly
5353 E 2nd St #207 – Long Beach, CA 90803 – (562) 434-0301 – View Map
After you get acceptable answers to these questions and a good coverage price, chances are good that you have found a company that can be trusted to properly insure your vehicles. Keep in mind it’s your coverage and you can cancel a policy whenever you wish so don’t think you are locked into your new company for any length of time.
Why You Might Pay Higher Rates in Long Beach
Part of the car insurance buying process is learning the factors that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels.
Additional coverages that may be costing you – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for coverage for rental cars, better glass coverage, and motor club memberships could be just wasting money. They may sound like good ideas initially, but if you don’t need them consider taking them off your policy.
Rates may be higher where you live – Living in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Urban drivers have to deal with much more traffic and more time behind the wheel. Less people means a lower chance of having an accident as well as less vandalism and auto theft.
Drive fewer miles and save – Driving a lot of miles annually the more it will cost to insure it. Almost all companies apply a rate based on how the vehicle is used. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Having an incorrect usage rating on your Sedona may be wasting your money. Ask your agent if your car insurance policy shows annual mileage.
Your age impacts your prices – Inexperience drivers are known to be inattentive when driving therefore car insurance rates are much higher. Adding a young driver onto a policy can be quite pricey. Mature drivers are proven to be safer behind the wheel, tend to file fewer claims, and tend to be get fewer driving tickets.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Uninterrupted coverage lowers rates – Driving your car without having proper coverage can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
Liability protection limits should be high – A critical coverage on your policy, liability insurance is the protection in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Insurance loss probability for a Kia Sedona – Insurers analyze the history of losses to help calculate a profitable premium price. Vehicles that have higher number or severity of losses will have higher rates.
The table below illustrates the collected loss data for Kia Sedona vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together is a value of 100. Percentages below 100 are indicative of better than average losses, while numbers above 100 indicate more frequent losses or tendency to have higher losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Sedona | 102 | 64 | 96 | 116 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to not skimp on car insurance
Even though it can be expensive, buying car insurance is required in California but also provides important benefits.
- Just about all states have compulsory liability insurance requirements which means the state requires specific limits of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, almost all lenders will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Kia at an extremely high rate and force you to pay a much higher amount than you were paying before.
- Car insurance preserves not only your car but also your assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Kia as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of insuring your car greatly outweigh the cost, especially with large liability claims. As of last year, the average driver in California is wasting up to $869 every year so compare rate quotes each time the policy renews to save money.
Cheaper insurance is a realistic goal
Insureds leave their current company for a number of reasons such as poor customer service, questionable increases in premium, policy cancellation and policy non-renewal. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.
Cheaper Kia Sedona insurance in Long Beach can be sourced from both online companies as well as from independent agents in Long Beach, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer internet price quotes and most of the time these small insurance companies only sell coverage through local independent agencies.
As you shop your coverage around, never buy less coverage just to save a little money. There are too many instances where someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best possible price, not the least amount of coverage.
More tips and info about insurance is available in the articles below:
- Young Drivers: The High Risk Years Video (iihs.org)
- How Much is Long Beach Auto Insurance for 17 Year Olds? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Rates for a Ford Explorer? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)