Subaru Legacy Insurance Quotes in Long Beach

We don’t have to point out that fact that car insurance companies don’t want you to look for cheaper rates. Drivers who get price quotes annually will presumably switch car insurance companies because they have good chances of finding good coverage at a lower price. A recent survey discovered that consumers who compared prices once a year saved approximately $72 a month compared to drivers who never shopped around for better prices.

If finding the cheapest price on Subaru Legacy insurance in Long Beach is your target objective, then having a grasp of how to get rate quotes and compare insurance premiums can save time and money.

The preferred way to find low-cost Subaru Legacy insurance in Long Beach is to start comparing prices yearly from insurance carriers in California. You can shop around by completing these steps.

Step 1: Gain an understanding of how companies price auto insurance and the factors you can control to prevent expensive coverage. Many risk factors that cause high rates like careless driving and a poor credit score can be rectified by making minor changes to your lifestyle. This article gives tips to help prevent costly coverage and earn larger discounts.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can quote rates from multiple insurance companies. View a list of agents

Step 3: Compare the new quotes to your existing policy and see if you can save money. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.

Step 4: Give notification to your current company of your decision to cancel your current coverage and submit a down payment along with a completed application to your new agent or company. Be sure to safely store the certificate verifying coverage in an accessible location in your vehicle.

One important bit of advice is that you use identical limits and deductibles on each quote and and to get rates from every insurance company. Doing this guarantees the most accurate price comparison and a good representation of prices.

Cheap car insurance in Long Beach, CA

The providers in the list below offer price comparisons in Long Beach, CA. To find the best auto insurance in CA, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Subaru Legacy detailed coverage information

The premium table shown below covers detailed analysis of insurance prices for Subaru Legacy models. Being aware of how premiums are determined can aid in making smart choices when buying a car insurance policy.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in zip code location which can decrease or increase coverage prices significantly.

Raise deductibles and save

When buying car insurance, a common question is which deductible level should you buy. The figures shown below may help you to understand the rate difference between low and high physical damage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in Long Beach location which can impact premium rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $50 more each month or $600 a year averaged for all Legacy models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 18 months between claims, you would probably save some money if you decide on a higher deductible.

Rate increases following a ticket or accident

The information below shows how violations and fender-benders can raise Subaru Legacy insurance prices for different insured age categories. The price estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The chart below illustrates the difference between Subaru Legacy yearly insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There is no exact formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Subaru Legacy book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying your deductible. If you are paying in excess of $400 annually to have full coverage, then it might be time to consider dropping full coverage.

There are some situations where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Do you qualify for discounts on Subaru Legacy insurance in Long Beach?

Companies that sell car insurance don’t list every discount very clearly, so we took the time to find some of the more common and also the lesser-known credits available to you.

• Claim Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
• Discount for Low Mileage – Keeping the miles down on your Subaru can earn lower car insurance rates due to less chance of an accident.
• Mature Driver Discount – Drivers over the age of 55 could receive a small discount on rates.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
• Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% with some car insurance companies.
• Switch and Save Discount – A few larger companies offer discounts for switching to them prior to the expiration date on your current Legacy insurance policy. You could save around 10% when you buy Long Beach auto insurance online.
• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
• Defensive Driving Course – Successfully completing a course that instructs on driving safety can save you 5% or more if your company offers it.
• Driving Data Discount – People who choose to allow their car insurance company to look at driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as the data is positive.

Don’t be shocked that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The chart below shows the comparison of Subaru Legacy yearly insurance costs with and without discounts. The premiums assume a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, multi-car, and homeowner discounts applied.

A list of car insurance companies and a summarized list of policyholder discounts include:

• GEICO offers discounts including anti-lock brakes, multi-vehicle, seat belt use, air bags, emergency military deployment, and military active duty.
• Travelers discounts include IntelliDrive, payment discounts, student away at school, save driver, hybrid/electric vehicle, new car, and home ownership.
• Farm Bureau has discounts for renewal discount, 55 and retired, driver training, good student, safe driver, and multi-vehicle.
• Liberty Mutual has savings for new vehicle discount, multi-car, hybrid vehicle, new move discount, preferred payment discount, newly retired, and good student.
• American Family offers premium reductions for early bird, air bags, mySafetyValet, defensive driver, bundled insurance, accident-free, and Steer into Savings.
• Progressive includes discounts for continuous coverage, online signing, multi-vehicle, homeowner, and multi-policy.

Before purchasing a policy, check with each company how you can save money. A few discounts may not be available everywhere. If you would like to view insurers that offer some of these discounts in Long Beach, click this link.

Why Your Insurance Premiums might be higher

The best way to find cheaper auto insurance is to take a look at some of the factors that help calculate your premiums. When you know what positively or negatively influences your rates, this enables informed choices that could result in much lower annual insurance costs.

Males are more aggressive – Statistics show that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but the males tend to have more serious accidents. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are the most expensive to insure so it costs more to insure them.

The illustration below visualizes the comparison of Subaru Legacy insurance rates for male and female drivers. Data assumes no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Get cheaper prices after the wedding – Walking down the aisle may earn you lower rates when shopping for auto insurance. It generally demonstrates drivers are more stable financially and insurance companies like that married drivers tend to have fewer serious accidents.

Always have auto insurance – Allowing your auto insurance policy to lapse is a guaranteed way to trigger a rate increase. Not only will rates go up, not being able to provide proof of insurance might get you a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.

Occupation can influence premiums – Did you know your career choice can influence rates? Jobs such as military personnel, airline pilots, and emergency personnel are shown to have higher average rates attributed to stressful work requirements and incredibly demanding work hours. Conversely, occupations such as professors, students and the unemployed have lower than average premiums.

Lower mileage equals lower premium – The higher the miles on your Subaru annually the higher the price you pay to insure it. Almost all companies apply a rate based on their usage. Cars not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Incorrect rating for your Legacy can result in significantly higher rates. It’s always a good idea to double check that your vehicle rating is showing how each vehicle is driven, because it can save money.

Insurance losses for a Subaru Legacy – Auto insurance companies use past insurance losses when determining insurance rates. Models that historically have higher loss trends will have higher rates for specific coverages.

The table below shows the insurance loss data for Subaru Legacy vehicles. For each type of coverage, the claim probability for all vehicles, as a total average, is set at 100. Numbers under 100 are indicative of better than average losses, while values that are above 100 point to more losses or a tendency for losses to be larger than average.

Compare rates but buy from a local neighborhood Long Beach car insurance agent

Certain consumers just prefer to get advice from a local agent and often times that is recommended A good thing about comparing rates online is you can get cheap rate quotes and also buy local.

Upon completion of this short form, your insurance data is submitted to companies in Long Beach that can provide free Long Beach auto insurance quotes for your auto insurance coverage. You never need to do any legwork due to the fact that quote results will go to your email. You can find the lowest rates and a licensed agent to talk to. If you need to get a comparison quote from one company in particular, you just need to search and find their rate quote page and give them your coverage information.

Choosing the best company shouldn’t rely on just a cheap quote. Agents should be asked these questions:

• When do they do policy reviews?
• How long have they been in business?
• Which company do they place the most coverage with?
• Do they get extra compensation for selling add-on coverages?
• What is the financial rating for the quoted company?
• Does the agency have a positive business rating?

If you want a reputable agency, it helps to know the two types of insurance agents that differ in how they can insure your vehicles. Long Beach agents are considered either exclusive or independent.

Exclusive Agencies

Exclusive agencies can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare rates from other companies so keep that in mind. Exclusive insurance agents are usually well trained on their company’s products and that enables them to sell even at higher rates. Many people purchase coverage from exclusives primarily because of the prominence of the brand and the convenience of having all coverages with one company.

Shown below is a list of exclusive agencies in Long Beach who may provide you with rate quotes.

• Joe Lopez Jr – State Farm Insurance Agent
  5199 Pacific Coast Hwy Ste 616 – Long Beach, CA 90804 – (562) 597-5547 – View Map
• Jon Wiedenman – State Farm Insurance Agent
  2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
• Allstate Insurance: Joilyn Hanley
  5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map

More Long Beach agents

Independent Agents (or Brokers)

Independent agencies are not locked into one company and that allows them to write policies through many different auto insurance companies depending on which coverage is best. If they find a lower price, they can switch companies in-house and the insured can keep the same agent. When comparison shopping, we highly recommend that you get rate quotes from multiple independent agents to have the most options to choose from. Most also write with different regional companies which may provide better rates.

Below is a short list of independent insurance agents in Long Beach who can help you get rate quotes.

• Lanterman Insurance Agency, Inc.
  5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map
• Jennifer Lee Insurance Agency
  4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map
• Fox Benefits Insurance Agency
  5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map

More Long Beach agents

Cheaper car insurance rates are possible

People change insurance companies for many reasons like extreme rates for teen drivers, policy non-renewal, questionable increases in premium and even unfair underwriting practices. Regardless of your reason, finding a great new company is less work than it seems.

We just presented a lot of techniques to shop for Subaru Legacy insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper Long Beach auto insurance quotes. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed collision coverage and learned later that it was a big error on their part. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Additional detailed information can be read in the articles below:

• Liability Insurance Coverage (Nationwide)
• Who Has Cheap Car Insurance for College Graduates in Long Beach? (FAQ)
• Child Safety FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)