Learn How to Find the Lowest Price on Long Beach California Auto Insurance

Finding lower rates for Long Beach auto insurance is always a challenge for beginners to comparing rates online. People have so many options that it can easily become a ton of work to find the best price in Long Beach.

Comprehensive Long Beach Auto Insurance Comparison Quotes

Performing a rate comparison can be a daunting task if you don’t know the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance companies in Long Beach, or you could save time and use the web to get prices fast.

Most of the best insurance companies enroll in a system where prospective buyers send in one quote, and at least one company then gives them pricing for coverage. This eliminates the need for quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose which insurance companies to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we put together a list of auto insurance companies in California. Click here to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage limits and deductibles with each company. If you enter unequal deductibles or liability limits it’s impossible to make a fair comparison in Long Beach. Slightly different coverage limits could mean much higher rates. Keep in mind that more quotes provides better odds of finding the best price.

Save money by taking advantage of these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically at quote time, but a few must be asked for in order for you to get them.

• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
• Military Discounts – Being deployed with a military unit can result in better rates.
• Clubs and Organizations – Participating in a professional or civic organization may earn a discount on auto insurance.
• Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
• Accident Waiver – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums.
• More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts in Long Beach, follow this link.

More resources for learning

More information is located on the California Department of Insurance website found here. California drivers can view agent and company licensing information, file complaints about an insurance agent or broker, and find disaster information.

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