The easiest way to get the cheapest car insurance rates is to compare quotes once a year from insurance carriers who provide car insurance in Long Beach. You can compare rates by following these guidelines.
- Step 1: Take a few minutes and learn about how your policy works and the factors you can control to prevent expensive coverage. Many rating criteria that cause high rates like traffic citations and a not-so-good credit rating can be eliminated by making minor driving habit or lifestyle changes. Continue reading for tips to get better rates and earn larger discounts.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can provide rate quotes for many different companies. Start a quote
- Step 3: Compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
- Step 4: Tell your current company of your intent to cancel the current policy. Submit the application along with any required down payment to your new agent or company. When you receive it, place the new certificate of insurance somewhere easily accessible.
A crucial key to this process is to make sure you’re comparing similar deductibles and liability limits on each quote request and and to get prices from all possible companies. This helps ensure a level playing field and a complete selection of prices.
A recent auto insurance study revealed that almost 70% of drivers kept buying from the same company for at least the last four years, and almost half have never quoted auto insurance rates at all. Most drivers in California could save themselves almost 35% a year just by comparing rates, but they underestimate the large savings they would see if they switched.
When comparing car insurance rates, know that comparing more prices gives you a better chance of getting the best price.
The companies in the list below have been selected to offer comparison quotes in California. If your goal is to find the cheapest auto insurance in Long Beach, we suggest you click on several of them in order to find the cheapest rates.
Auto insurance protects more than just your car
Even though Long Beach Frontier insurance rates can get expensive, insuring your vehicle may be required and benefits you in several ways.
- Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance if you want to drive 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 your vehicle has a loan, almost every bank will make it a condition of the loan that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender will be forced to insure your Nissan at a much higher rate and force you to reimburse them the higher price.
- Insurance protects both your assets and your Nissan. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Nissan as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying over $820 a year so compare quotes from several companies once a year at a minimum to save money.
Insurance coverage details
The price information below showcases a range of insurance prices for Nissan Frontier models. Having knowledge of how insurance premiums are established can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $178 | $374 | $580 | $34 | $174 | $1,340 | $112 |
| Frontier SE King Cab 2WD | $208 | $374 | $580 | $34 | $174 | $1,370 | $114 |
| Frontier SE Crew Cab 2WD | $208 | $454 | $580 | $34 | $174 | $1,450 | $121 |
| Frontier Pro-4X King Cab 2WD | $238 | $454 | $580 | $34 | $174 | $1,480 | $123 |
| Frontier LE King Cab 2WD | $238 | $454 | $580 | $34 | $174 | $1,480 | $123 |
| Frontier SE King Cab 4WD | $238 | $374 | $464 | $28 | $138 | $1,242 | $104 |
| Frontier Pro-4X Crew Cab 2WD | $238 | $536 | $580 | $34 | $174 | $1,562 | $130 |
| Frontier LE Crew Cab 2WD | $238 | $536 | $580 | $34 | $174 | $1,562 | $130 |
| Frontier SE Crew Cab 4WD | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| Frontier LE King Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Frontier Pro-4X King Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Frontier Pro-4X Crew Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Frontier LE Crew Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Long Beach garaging location which can modify rates noticeably.
How high should deductibles be?
When comparing insurance rates, the most common question is how high should your deductibles be. The data tables below can help show the costs and benefits of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $282 | $564 | $552 | $32 | $166 | $1,621 | $135 |
| Frontier SE King Cab 2WD | $332 | $564 | $552 | $32 | $166 | $1,671 | $139 |
| Frontier SE Crew Cab 2WD | $332 | $686 | $552 | $32 | $166 | $1,793 | $149 |
| Frontier Pro-4X King Cab 2WD | $380 | $686 | $552 | $32 | $166 | $1,841 | $153 |
| Frontier LE King Cab 2WD | $380 | $686 | $552 | $32 | $166 | $1,841 | $153 |
| Frontier SE King Cab 4WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Frontier Pro-4X Crew Cab 2WD | $380 | $810 | $552 | $32 | $166 | $1,965 | $164 |
| Frontier LE Crew Cab 2WD | $380 | $810 | $552 | $32 | $166 | $1,965 | $164 |
| Frontier SE Crew Cab 4WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Frontier LE King Cab 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Frontier Pro-4X King Cab 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Frontier Pro-4X Crew Cab 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Frontier LE Crew Cab 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $156 | $298 | $552 | $32 | $166 | $1,204 | $100 |
| Frontier SE King Cab 2WD | $184 | $298 | $552 | $32 | $166 | $1,232 | $103 |
| Frontier SE Crew Cab 2WD | $184 | $362 | $552 | $32 | $166 | $1,296 | $108 |
| Frontier Pro-4X King Cab 2WD | $210 | $362 | $552 | $32 | $166 | $1,322 | $110 |
| Frontier LE King Cab 2WD | $210 | $362 | $552 | $32 | $166 | $1,322 | $110 |
| Frontier SE King Cab 4WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Frontier Pro-4X Crew Cab 2WD | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Frontier LE Crew Cab 2WD | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Frontier SE Crew Cab 4WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Frontier LE King Cab 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Frontier Pro-4X King Cab 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Frontier Pro-4X Crew Cab 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Frontier LE Crew Cab 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in specific garaging location which can revise coverage rates greatly.
Based on the figures above, using a $100 deductible costs about $43 more each month or $516 a year than buying the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claim filings, you would save money if you choose the higher deductible.
These discounts can lower your car insurance rates
Companies do not list all discounts very well, so the list below contains a few of the more common and the more hidden discounts that you may qualify for.
- Discount for Life Insurance – Insurance carriers who offer life insurance give better car insurance rates if you take out auto and life insurance together.
- Buy New and Save – Buying car insurance coverage on a new vehicle is cheaper because new vehicles keep occupants safer.
- Low Mileage Discounts – Driving less could earn lower rates due to less chance of an accident.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and that can save you a little bit as well.
- Distant Student Discount – Youth drivers who attend college more than 100 miles from Long Beach and do not have a car may qualify for this discount.
- Senior Discount – Drivers over the age of 55 may qualify for a small decrease in premiums.
- Military Discounts – Being on active deployment in the military could mean lower car insurance rates.
Just know that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.
The illustration below illustrates the difference between Nissan Frontier insurance prices with and without discounts being applied to the rates. Data assumes a female driver, a clean driving record, no claims, 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 multi-car, safe-driver, multi-policy, claim-free, marriage, and homeowner discounts applied.
Large car insurance companies and some of the discounts are shown below.
- GEICO has discounts for driver training, federal employee, five-year accident-free, defensive driver, good student, and membership and employees.
- USAA has savings for defensive driver, annual mileage, family discount, new vehicle, multi-vehicle, and loyalty savings.
- Progressive policyholders can earn discounts including online quote discount, online signing, multi-vehicle, continuous coverage, homeowner, good student, and multi-policy.
- American Family may include discounts for good student, good driver, defensive driver, Steer into Savings, and early bird.
- Esurance offers discounts including safety device, homeowner, defensive driver, emergency road assistance, claim free, anti-lock brakes, and online quote.
- Farmers Insurance discounts include switch companies, good student, distant student, electronic funds transfer, and youthful driver.
- State Farm offers premium reductions for good driver, passive restraint, driver’s education, anti-theft, Steer Clear safe driver discount, good student, and Drive Safe & Save.
If you need affordable Long Beach car insurance quotes, ask each insurance company how you can save money. Some discounts listed above may not apply to policies in your state. To find car insurance companies that can offer you the previously mentioned discounts in Long Beach, click here to view.
When to get advice from a local insurance agent
A lot of people still like to get professional advice from a licensed agent and doing so can bring peace of mind One of the best bonuses of price shopping on the web is that you can find cheap car insurance quotes but also keep your business local. And buying from neighborhood agents is especially important in Long Beach.
Upon completion of this simple form, your insurance data is sent to agents in your area who can give free rate quotes to get your business. You don’t have to contact an agency because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates AND an agent nearby. In the event you want to compare rates for a specific company, feel free to jump over to their website and give them your coverage information.
Two different types of car insurance agents
When narrowing the list to find a local Long Beach insurance agency, there are two different agency structures and how they can quote your rates. Car insurance agents in Long Beach can be described as either independent or exclusive depending on the company they work for.
Independent Agents
Agents of this type are normally appointed by many insurers so they can quote policies with multiple insurance companies and potentially find a lower price. If prices rise, your agent can just switch to a different company and you don’t have to do anything. If you need lower rates, you need to get rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many can place coverage with mutual insurance companies that can offer cheaper rates than bigger companies.
Below is a short list of independent agents in Long Beach that can possibly get you pricing information.
- Greg D. Pyle Auto, Home, Commercial Insurance Long Beach
3777 Long Beach Blvd #500 – Long Beach, CA 90802 – (562) 436-3200 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map - Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
Exclusive Agents
Agents of this type normally can only provide a single company’s rates and examples are Farmers Insurance, State Farm, or Allstate. They are unable to provide prices from multiple companies so they really need to provide good service. They are well trained on their company’s products which aids in selling service over price. Consumers sometimes buy insurance from these agents primarily because of the prominent brand name rather than low price.
Listed below is a list of exclusive insurance agencies in Long Beach that can give you rate quotes.
- Peter Chai – State Farm Insurance Agent
3253 E South St #103 – Long Beach, CA 90805 – (562) 634-2000 – View Map - Von Arx, Jason – Farmers Insurance
400 Oceangate # 305 – Long Beach, CA 90802 – (562) 436-6801 – View Map - Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338 – View Map
Finding a good auto insurance agent requires you to look at more than just the quoted price. These are some questions you should get answers to.
- Does the company allow you to choose your own collision repair facility?
- Is auto insurance their primary focus in Long Beach?
- Are there any extra charges for paying monthly?
- Does the agent recommend any additional coverage?
- Are they involved in claim handling?
- Is there a Errors and Omissions policy in force?
- Is working in the agency their full-time job?
- Will high miles depreciate repair valuations?
How to find a good Long Beach car insurance company
Ending up with a highly-rated car insurance company is hard considering how many companies there are to choose from in Long Beach. The company ratings below may help you analyze which auto insurance companies to look at purchasing a policy from.
Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Persistence will pay off
When searching for low cost Long Beach car insurance quotes, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage and learned later they didn’t have enough coverage. The goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
We covered a lot of techniques to compare Nissan Frontier insurance premium rates in Long Beach. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheaper Long Beach car insurance quotes. Consumers could even find that the best premium rates are with the least-expected company.
Cheap Nissan Frontier insurance in Long Beach can be found both online as well as from independent agents in Long Beach, and you should compare price quotes from both to have the best rate selection. Some companies may not offer rate quotes online and these regional carriers sell through independent agents.
Additional information
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Low Income Drivers in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a 20 Year Old Male in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Under 25 in Long Beach? (FAQ)
- What Insurance is Cheapest for Drivers with Accidents in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Auto Insurance for a 20 Year Old Female? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Older Drivers FAQ (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)