When trying to find more affordable insurance, are you confused by the wide range of car insurance providers in your area? You have so many providers available that it can easily become a difficult situation to find the best car insurance rates for Saab 9-5 insurance in Long Beach. Everyone knows that Long Beach has many things to offer, but the high cost of car insurance makes it difficult to stay on budget.
How to buy low-cost Saab 9-5 insurance in Long Beach
The best way to find lower priced Saab 9-5 insurance is to regularly compare prices from insurance carriers that sell auto insurance in Long Beach.
- Step 1: Try to learn about how companies set rates and the measures you can control to keep rates low. Many risk factors that cause rate increases like getting speeding tickets and a not-so-good credit rating can be amended by making minor driving habit or lifestyle changes.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies.
- Step 3: Compare the quotes to the price on your current policy and see if you can save money. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current company of your intention to cancel your current coverage. Submit the application along with any required down payment to your new company or agent. As soon as coverage is bound, place your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One thing to point out is that you use the same coverage limits and deductibles on each price quote and and to get price quotes from every company you can. This provides an accurate price comparison and a thorough selection of prices.
Anyone knows that car insurance companies don’t want you to compare rates. Drivers who compare rates annually are likely to switch to a new company because there is a good chance of finding a lower-priced company. A recent study showed that consumers who compared rates regularly saved as much as $860 a year compared to other drivers who never compared rates.
If finding low prices for Saab 9-5 insurance in Long Beach is your objective, then learning about the best way to shop and compare coverage rates can save time, money, and frustration.
Consumers should take time to compare rates once or twice a year since insurance prices go up and down regularly. Just because you had the best rate on Saab 9-5 insurance in Long Beach two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the proper way to save on car insurance.
If you have a current insurance policy, you stand a good chance to be able to cut your premiums using this information. Quoting and comparing the best policy in Long Beach is easy if you know what you’re doing. But California consumers must comprehend how insurance companies calculate their prices.
Why You Might Pay Inflated Rates in Long Beach
Multiple criteria are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious such as whether you are married or your financial responsibility. An important part of buying insurance is that you know some of the elements that aid in calculating your premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you much lower annual insurance costs.
Insurance costs and vehicle performance – The type of car, truck or SUV you are insuring makes a big difference in your auto insurance rates. The lowest premiums will normally be found when insuring low performance passenger vehicles, but there are many factors that impact the final cost.
The data below uses these assumptions: single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Saab 9-5 car insurance rates compared to other models of vehicles that have a range of performance rating factors.
Reserve insurance claims for larger damages – If you are the type of insured that files lots of claims you can definitely plan on either higher rates or even cancellation. Companies in California generally give better rates to drivers that do not abuse their auto insurance. Your insurance policy is intended for larger claims.
Do you need those add-on coverages? – Policies have extra add-on coverages that sound like a good idea at the time if you aren’t careful. Insurance for roadside assistance, death and dismemberment, and Farm Bureau memberships could be just wasting money. These coverages may sound good when discussing your needs, but now you might not need them so think about removing them and cutting costs.
More stress means more cost – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, airline pilots, and stock brokers have higher average rates because of intense work-related stress and long work days. Conversely, occupations like actors, historians and the unemployed pay the least.
Saab 9-5 insurance quotes comparison
When shopping for the cheapest Saab 9-5 rate quotes, there are a couple of ways of comparing price quotes from different companies. One of the best ways to compare Saab 9-5 insurance prices is to use the internet to compare rates. It’s important to know that comparing all the rates in your area increases your odds of finding a lower rate than you’re paying now.
The providers in the list below provide quotes in Long Beach, CA. If you want the best cheap auto insurance in Long Beach, we suggest you visit as many as you can to get the most affordable price.
Saab 9-5 insurance statistics and information
The premium information shown below showcases estimates of insurance costs for Saab 9-5 models. Having a good understanding how insurance prices are formulated can be useful when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $296 | $592 | $416 | $24 | $124 | $1,452 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific garaging location which can influence premium rates noticeably.
Rate comparison for different deductibles
One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The figures shown below determine the differences in premium rates between high and low insurance deductibles. The first rate table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| 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 claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in garaging location in Long Beach which can affect auto insurance rates significantly.
Based on these figures, using a $100 deductible costs roughly $43 more each month or $516 annually across all Saab 9-5 models than quoting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 9 months between claims, you would probably save some money if you decide on a higher deductible. Below is the way this calculation is made.
| Average monthly premium for $100 deductibles: | $184 |
| Average monthly premium for $500 deductibles (subtract): | – $141 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 9 months |
One thing to be aware of is that a higher deductible level results in a higher out-of-pocket expense when you do file a claim. You need to make sure you have some savings in the bank in order to pay the deductible to have repairs made.
Insuring your vehicle just makes sense
Despite the potentially high cost of Saab 9-5 insurance, insuring your vehicle is required for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance in order to get the vehicle licensed. 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 your 9-5 has a lienholder, it’s guaranteed your bank will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank may insure your Saab at a much higher rate and make you pay for the expensive policy.
- Auto insurance protects both your Saab and your personal assets. It will also reimburse you for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is currently overpaying as much as $820 a year so shop around at every renewal to be sure current rates are still competitive.
Save a ton on Saab 9-5 insurance in Long Beach with these discounts
Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some must be specifically requested before you get the savings.
- Discount for Home Ownership – Just owning your own home may trigger a policy discount on auto insurance because of the fact that having a home requires a higher level of personal finance.
- Early Signing – Select insurance companies give a discount for switching companies prior to the expiration date on your current 9-5 insurance policy. It can save you around 10%.
- Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease with select insurance companies.
- Accident Waiver – Not really a discount, but some insurance companies may permit one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Driver’s Education for Students – Require your teen driver to complete a driver education course in high school.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
- Use Seat Belts – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Good Student – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
As a sidenote, most discount credits are not given to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount will definitely reduce your auto insurance premiums.
The information below illustrates the comparison of Saab 9-5 car insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no claims or violations, 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, multi-car, marriage, multi-policy, safe-driver, and homeowner discounts applied.
To view insurance companies that offer discounts in California, click here.
Insurance agent or online?
Many drivers just prefer to talk to an insurance agent and doing that can be a smart decision The best thing about getting online price quotes is that you can obtain the lowest rates and still have a local agent. Buying from local agencies is important particularly in Long Beach.
Upon completion of this form (opens in new window), your coverage information is immediately sent to companies in Long Beach who will give you quotes for your coverage. It makes it easy because there is no need to search for an agent since price quotes are sent directly to your email. Get lower rates and work with a local agent. If you have a need to get a rate quote for a specific company, don’t hesitate to jump over to their website and complete a quote there.
When looking for a local insurance agency, you should know the types of insurance agents and how they work. Car insurance agencies are considered either exclusive agents or independent agents.
Independent Agents (or Brokers)
Agents that elect to be independent do not sell for just one brand and that allows them to write policies through many different car insurance companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and you don’t have to find a new agent. If you are comparing rate quotes, it’s a good idea to get rate quotes from multiple independent agents to get the most accurate price comparison. Most also have access to small regional insurance companies that may provide cheaper car insurance rates.
Featured below is a partial list of independent agents in Long Beach that may be able to give you free price quotes.
- Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map - Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
Exclusive Car Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates and examples are Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies receive extensive training on what they offer and that allows them to sell at a higher price point. Consumers frequently purchase coverage from exclusives primarily because of the brand name and the convenience of having a single billing for all their coverages.
Shown below are exclusive agencies in Long Beach that can give you price quote information.
- 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 - Peter Kong – State Farm Insurance Agent
2020 E Anaheim St – Long Beach, CA 90804 – (562) 438-8188 – View Map
Choosing the best car insurance agent shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.
- Do they have designations such as AIC, CPCU, or CIC?
- Do they write coverage based solely on cost?
- Where would glass claims be handled in Long Beach?
- Is the agency active in community causes in Long Beach?
- Can they provide you with a list of referrals?
- What is the financial rating for the quoted company?
- How is replacement cost determined on your vehicle?
A conclusion for your car insurance search
In this article, we presented many ways to reduce Saab 9-5 insurance prices online in Long Beach. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier.
While you’re price shopping online, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to regret that it was a big mistake. The ultimate goal is to buy enough coverage at the best price while not skimping on critical coverages.
Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, policy cancellation and even unfair underwriting practices. No matter why you want to switch, finding a new car insurance company is pretty easy and you might even save some money in the process.
Steps to finding affordable quotes for Saab 9-5 insurance in Long Beach
It takes a little time, but the best way to get discount car insurance rates is to start comparing rates regularly from different companies who sell insurance in Long Beach. You can compare rates by following these guidelines.
First, take a little time to learn about individual coverages and the measures you can control to lower rates. Many policy risk factors that cause rate increases such as speeding tickets, careless driving and a low credit rating can be remedied by making small lifestyle or driving habit changes.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote prices from multiple companies.
Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a better price and change companies, verify that coverage does not lapse between policies.
Fourth, provide adequate notice to your current company of your intention to cancel the current policy. Submit a signed application and payment to the new insurer. As soon as you have the new policy, keep the new proof of insurance paperwork along with the vehicle’s registration papers.
The most important part of shopping around is to use the same deductibles and limits on each price quote and and to compare as many companies as you can. Doing this helps ensure a level playing field and the best price selection.
To read more, feel free to visit these articles:
- Medical Payments Coverage (Liberty Mutual)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Long Beach? (FAQ)
- How Much is Long Beach Auto Insurance for Teenage Females? (FAQ)
- What Auto Insurance is Cheapest for Low Credit Scores in Long Beach? (FAQ)
- How Much is Long Beach Auto Insurance for a Nissan Sentra? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)