Top Ways to Save on Long Beach Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are many Long Beach consumers feeling the pinch from expensive auto insurance. Multiple compete for your hard-earned dollar, so it can be very hard to choose a to find the lowest rate

It's important to compare prices every six months since insurance rates are constantly changing. If you had the lowest price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to find better coverage at a better price.

If you are insured now or need new coverage, you can use these techniques to find the best rates while maximizing coverage. Finding affordable coverage in Long Beach is easy if you know what you're doing. New York vehicle owners just need to know the most effective way to compare prices online.

How to Compare Auto Insurance in Long Beach, New York

Shopping for lower auto insurance rates can take time and effort if you don't know the easiest way. You could spend your day discussing policy coverages with insurance agencies in Long Beach, or you can utilize online quotes to get pricing more quickly.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing based on that data. This saves time by eliminating quotation 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 are unable to specify which companies to receive prices from. If you prefer to choose individual companies to compare, we have a page of low cost auto insurance companies in New York. View list of New York insurance companies.

It's up to you which method you use, but ensure you are comparing the exact same deductibles and coverage limits on every quote you get. If you have different values for each quote it will be impossible to determine which rate is truly the best in Long Beach.

How to Lower your Auto Insurance Rates

It's important that you understand the different types of things that come into play when calculating auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

Older drivers save more - Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers tend to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
Don't sacrifice liability coverage - The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
Safer cars are cheaper to insure - Safer cars can get you lower premiums. These vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you.
Rates may be lower depending on your job - Jobs such as judges, business owners and accountants have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, occupations like actors, athletes and the unemployed get better rates.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, or theft. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you have to pay, the less your auto insurance will be.

How much can you save with discounts?

Auto insurance companies don't necessarily list all their discounts in an easy-to-find place, so we researched some of the best known and the more hidden savings tricks you should be using. If they aren't giving you every credit possible, you're just leaving money on the table.

Senior Discount - Older drivers can possibly qualify for a small decrease in premiums.
Club Memberships - Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.
Student Driver Training - Require your teen driver to complete a driver education course in high school.
Lower Rates for Military - Being on active duty in the military can result in better rates.
Claim Free - Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
No Charge for an Accident - A few companies permit an accident without raising rates as long as you don't have any claims for a certain period of time.
Discount for Good Grades - Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
College Student - Kids in college who are attending college without a vehicle on campus can receive lower rates.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way.

For a list of companies with the best auto insurance discounts in Long Beach, click here to view.

More detailed New York auto insurance information is located at the New York Department of Financial Services website. New York drivers can read enforcement actions against agents and companies, find out which companies have the most complaints, view a list of available companies, and find disaster information.

And the best car insurance company is...

When shopping online for auto insurance, you should never reduce needed coverages to save money. There are many occasions where someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate.

Budget-conscious auto insurance is possible on the web as well as from independent agents in Long Beach, and you need to price shop both to have the best selection. Some auto insurance companies don't offer online quoting and most of the time these small, regional companies sell through independent agents.