Has it been over a year since you last compared quotes for low-cost Tesla Model 3 insurance in Long Beach? Wish you could get out of an under-performing, overpriced insurance policy? Believe me when I say there are many Long Beach consumers feeling the pinch from expensive insurance.
Unfortunately, most insurance policyholders in California kept their coverage with the same insurance company for at least the last four years, and virtually 40% of consumers have never quoted insurance rates at all. American consumers can save hundreds of dollars each year just by getting comparison quotes, but they feel it’s too difficult to save money by comparing rate quotes. Companies like State Farm, Progressive and GEICO all promote huge savings with advertising and it is difficult to sift through the bull and find the best price available.
Smart consumers take time to do price comparisons at least once a year because insurance prices are usually higher with each renewal. Just because you found the best deal on Tesla Model 3 insurance in Long Beach six months ago the chances are good that you can find a lower rate quote today. You can find a lot of information about Model 3 insurance on the internet, but in a few minutes you can learn some of the best techniques to save money.
If you’re already insured or just want cheaper rates, follow these tips to get lower rates and still have adequate protection. Buying the cheapest car insurance in Long Beach can initially seem challenging. You just need to know the most time-saving way to compare different rates online.
The Tesla Model 3 Insurance Rate Equation
Many different elements are part of the calculation when quoting car insurance. Most are fairly basic like an MVR report, but others are not quite as obvious like your vehicle usage or how safe your car is.
Do you really need roadside assistance? – There are many extra add-on coverages that you can buy on your auto insurance policy. Coverages for personal injury protection, towing, and extra equipment coverage may be wasting your money. These coverages may sound good when discussing your needs, but now you might not need them so get rid of them and save.
Keep claims to a minimum – If you’re an insured who likes to file claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies in California award discounts to policyholders who do not file claims often. Insurance coverage is intended for claims that you cannot pay yourself.
Higher physical damage deductibles save money – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims could be collision with another vehicle, vandalism, and damage from wind. The more of the claim the insured is willing to pay, the bigger discount you will receive.
Your location is a factor – Residing in a rural area may provide you with better prices if you are looking for the lowest rates. Less people means a lower chance of having an accident as well as less vandalism and auto theft. People in densely populated areas have to deal with more traffic problems and higher rates of accident claims. Spending more time driving means a statistically higher chance of an accident.
Liability coverage claims can be big – The liability coverage on your policy kicks in if ever a court rules you are at fault for an accident. It provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Poor credit can mean higher rates – Having a bad credit score is likely to be a major factor in calculating your auto insurance rates. If your credit is low, you could be paying less to insure your Tesla Model 3 if you improve your credit rating. Drivers with good credit tend to be more responsible than those with bad credit.
Cheapest Tesla Model 3 insurance rate quotes in Long Beach
Most companies allow you to get coverage price quotes directly from their websites. Doing online quotes for Tesla Model 3 insurance in Long Beach is pretty painless as you just enter the amount of coverage you want on the page. Upon sending the form, their quoting system will order reports for credit and driving violations and provides a quote based on these and other factors. Being able to quote online for Tesla Model 3 insurance in Long Beach streamlines rate comparisons, and it is imperative to have as many quotes as possible if you are searching for affordable rates.
To save time and find out if lower rates are available, compare rates from the companies below. If you have your current policy handy, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. Doing this assures you will have a fair comparison using the same coverage and limits.
The companies in the list below provide quotes in California. If multiple companies are listed, we suggest you click on several of them to get the lowest price.
Best reasons to buy insurance in California
Even though it’s not necessarily cheap to insure a Tesla in Long Beach, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
First, the majority of states have mandatory insurance requirements which means you are required to buy a minimum amount of liability coverage 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.
Second, if your vehicle has a lienholder, it’s guaranteed your bank will stipulate that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Tesla at a much higher rate and require you to fork over a much higher amount than you were paying before.
Third, insurance protects your vehicle and your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying insurance definitely exceed the price paid, particularly when you have a large claim. Unknowingly, the average driver overpays more than $820 a year so it’s very important to do a rate comparison once a year at a minimum to save money.
Car insurance discounts are available to cut your rates
Car insurance companies don’t list all their discounts very well, so we break down both the well known and the harder-to-find credits available to bring down your rates.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
- Senior Discount – Seniors can possibly qualify for lower premium rates.
- Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease with a few car insurance companies.
- Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
- Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
- Auto/Life Discount – Larger insurance carriers have lower car insurance rates if you buy a life policy as well.
- Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from Long Beach and don’t have a car can be insured at a reduced rate.
- No Charge for an Accident – This isn’t a discount exactly, but some companies like State Farm and Allstate will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a set time period.
- Data Collection Discounts – Long Beach drivers who agree to allow driving data collection to monitor where and when they drive by using a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
As a sidenote, some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic. But all discounts will reduce your policy premiums.
Some of the insurance companies who might offer some of the above discounts include:
If you want low cost Long Beach car insurance quotes, ask every company which discounts can lower your rates. Savings may not be available in Long Beach. To find providers that offer discounts in Long Beach, click here to view.
Neighborhood Long Beach auto insurance agents
A lot of people would rather visit with an insurance agent and that is a smart decision Experienced insurance agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing insurance prices online is the fact that drivers can get better rates but still work with a licensed agent. And providing support for local insurance agents is especially important in Long Beach.
After completing this form (opens in new window), your information is sent to companies in Long Beach that provide free Long Beach car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent to you instantly. In the event you want to get a price quote from a specific insurance provider, you can always go to their quote page and submit a quote form there.
Pick the best auto insurance agent in Long Beach for you
When finding a reputable agency, it’s important to understand the types of agencies and how they are distinctly different. Insurance agents in Long Beach can be categorized as either exclusive or independent agents depending on their company appointments. Either can do a good job, but it is important to understand the difference between them because it can influence the kind of agent you use.
Independent Insurance Agents
These type of agents often have many company appointments so they can insure your vehicles with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, the agent simply finds a different carrier and you don’t have to switch agencies. If you are trying to find cheaper rates, it’s recommended you include rate quotes from independent agents to get the best comparison.
Listed below are independent agencies in Long Beach that can possibly get you price quotes.
Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map
C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map
Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
Exclusive Agents
Agents that choose to be exclusive work for only one company like AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot compare rates from other companies so you need to shop around if the rates are high. They are well schooled in insurance sales which helps them compete with independent agents.
The following are exclusive insurance agents in Long Beach who can help you get rate quotes.
Farmers Insurance – Susan Rios
3450 E Spring St #214 – Long Beach, CA 90806 – (562) 988-5700 – View Map
Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map
Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726 – View Map
Selecting an insurance agency should include more criteria than just the bottom line cost. You should also get answers to these questions.
- Can you choose the body shop in case repairs are needed?
- Is insurance their full-time profession?
- Who is covered by the car insurance policy?
- Will the quote change when the policy is issued?
- Does the agency have a positive business rating?
In the end, you can save money
More affordable car insurance in Long Beach can be purchased online in addition to many Long Beach insurance agents, so you need to shop Long Beach car insurance with both to have the best rate selection. Some insurance companies do not offer rates over the internet and most of the time these small, regional companies provide coverage only through independent insurance agents.
As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.
We’ve covered some good ideas how to get a better price on Tesla Model 3 insurance in Long Beach. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding affordable Tesla Model 3 insurance quotes. Consumers could even find that the most savings is with a small mutual company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
How to find affordable Tesla Model 3 insurance in Long Beach
If you want to find the absolute lowest rates, then the best way to find low-cost Tesla Model 3 insurance in Long Beach is to do a yearly price comparison from different companies in California.
- Gain an understanding of how insurance companies determine prices and the changes you can make to keep rates down. Many rating factors that are responsible for high rates such as speeding tickets, careless driving and an imperfect credit rating can be remedied by making lifestyle changes or driving safer.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can provide prices from multiple insurance companies.
- Compare the new rate quotes to your existing policy and determine if cheaper Model 3 coverage is available in Long Beach. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your current company of your intent to cancel your current policy. Submit payment and a signed application to your new carrier. Once the paperwork is finalized, keep the new proof of insurance paperwork in an easily accessible location.
A crucial key to this process is that you use identical limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. This enables a level playing field and the best price selection.
Additional resources
- Understanding Rental Car Insurance (Insurance Information Institute)
- What Auto Insurance is Cheapest for Electric Cars in Long Beach? (FAQ)
- Who Has Cheap Car Insurance Rates for Unemployed Drivers in Long Beach? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Long Beach? (FAQ)
- Senior Drivers (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)