Want to learn how to buy cheaper insurance rates in Long Beach, NY? There isn't anyone who gets a kick out of paying for insurance, especially when they know their premiums are too high.

It's amazing but the majority of drivers have purchased from the same company for well over three years, and roughly 40% of drivers have never compared rates from other carriers. Most drivers in America could cut their rates by about 47% a year just by shopping around, but they just don't want to shop around.

Numerous insurers battle to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest price on insurance.

If you are insured now, you will definitely be able to shop for the lowest rates using the techniques presented in this article. Finding the cheapest car insurance coverage in Long Beach is really quite easy. Nevertheless, New York consumers do need to learn how the larger insurance companies determine what you pay because it varies considerably.

Seven things that influence your prices

It's important that you understand a few of the rating criteria that go into determining car insurance rates. If you know what determines base rates, this allows you to make good choices that will entitle you to lower premium levels.

The itemized list below are a few of the "ingredients" utilized by car insurance companies to help set your prices.

Cheaper rates by combining - Some companies allow better rates to policyholders who buy several policies from them. It's known as a multi-policy discount. Even though this discount sounds good, you may still want to shop around to help ensure you have the lowest rates.

Decrease premiums by maintaining coverage - Driving any period of time without insurance is a big no-no and car insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the New York DMV.

Defend yourself with liability insurance - The liability coverage on your policy kicks in in the event that a court rules you are at fault for physical damage or personal injury to other. It provides you with a defense in court starting from day one. Liability is cheap compared to comp and collision, so drivers should carry high limits.

Low credit history equals high costs - Credit rating is a large factor in determining premium rates. So if your credit score is lower than you'd like, you could be paying less to insure your vehicle by taking the time to improve your credit score. Consumers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.

Drive less and save - The more miles you rack up on your car each year the more it will cost to insure it. A lot of insurance companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your policy correctly shows the correct usage.

Does car insurance cost more for men? - Statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both sexes are responsible for at-fault accidents in similar numbers, but the men cause more damage. Not only are claims higher, but men have more aggressive citations like DUI and reckless driving.

Buy a safe car and pay less - Vehicles with good safety scores get lower rates. Highly rated vehicles result in less severe injuries and fewer serious injuries means less claims paid which can result in lower premiums.

Quote Long Beach car insurance online

There are several ways of comparing rates from all the different companies. The best way to lower the rate you pay for insurance is to perform an online rate comparison.

Online shopping is fast and free, and it takes the place of having to call or drive to insurance agents' offices. The internet eliminates the middleman unless you prefer the advice and guidance that can only be provided by a licensed insurance agent. Although, it is possible comparison shop online but have a local Long Beach agent actually write the policy.

When price shopping your coverage, more quotes helps you find the best price.

The companies shown below are our best choices to provide price comparisons in Long Beach, NY. If you want the best auto insurance in New York, we recommend you get prices from several of them to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Long Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $874 $437 $73
Chevrolet Silverado LS Extended Cab 2WD $826 $413 $69
Dodge Ram Crew Cab SLT 2WD $1,140 $570 $95
Ford Escape XLS 4WD $662 $331 $55
Ford F-150 XL Regular Cab 4WD $792 $396 $66
Ford Focus SE 2-Dr Coupe $934 $467 $78
Honda Accord LX-P 4-Dr Sedan $870 $435 $73
Honda CR-V EX 2WD $530 $265 $44
Honda Civic EX-L 4-Dr Sedan $1,172 $586 $98
Honda Odyssey EX-L $962 $481 $80
Hyundai Elantra SE Touring Station Wagon $574 $287 $48
Kia Optima EX $1,078 $539 $90
Nissan Altima 2.5 S 2-Dr Coupe $784 $392 $65
Toyota Camry Hybrid $916 $458 $76
Toyota Corolla XLE $832 $416 $69
Toyota RAV4 4WD $940 $470 $78
Toyota Tacoma Double Cab 4WD $796 $398 $66
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in garaging location in Long Beach which can raise or lower premium rates greatly.

How high should deductibles be?

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates can help show how much more you'll pay when you choose different coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $204 $344 $264 $16 $80 $933 $78
Camry SE $204 $406 $264 $16 $80 $995 $83
Camry XLE $204 $406 $264 $16 $80 $995 $83
Camry Hybrid $230 $406 $300 $18 $90 $1,069 $89
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Toyota Camry insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $166 $278 $264 $16 $80 $804 $67
Camry SE $166 $328 $264 $16 $80 $854 $71
Camry XLE $166 $328 $264 $16 $80 $854 $71
Camry Hybrid $188 $328 $300 $18 $90 $924 $77
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can influence price quotes substantially.

Based on the data above, we can derive that using a $250 deductible costs approximately $11 more each month or $132 every year than quoting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claim filings, you would save money going with the higher deductible.

Physical damage deductible comparison

The example below highlights how deductible selection and can change Chevrolet Malibu insurance premiums for different age groups. The premiums are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

How accidents and violations affect rates

The diagram below illustrates how violations and accidents can increase Ford Focus premium costs for different age groups. The information is based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Big brands don't always mean big savings

Car insurance companies such as 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing that drivers can save some big amount if you change your policy. But how can every company make almost identical claims?

Companies have specific criteria for the right customer that earns them the most money. For example, this type of driver should be a mature driver, has never had a policy lapse, and drives a safe vehicle. A customer who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Potential customers who cannot meet these criteria must pay more expensive rates which leads to the customer buying from someone else. If you pay attention, the ads say "customers who switch" but not "all drivers who get quotes" save that kind of money. This is how insurance companies can confidently claim big savings.

Because every company is different, it is so important to quote coverage with many companies. It is impossible to guess which car insurance company will provide the lowest car insurance in Long Beach.

Why you need vehicle insurance in New York

Despite the fact that insurance is not cheap in Long Beach, buying insurance is required for several reasons.

The benefits of buying insurance greatly outweigh the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Long Beach is overpaying more than $830 a year so it's important to compare rates at every renewal to save money.

Lower your insurance rates with discounts

Some insurance providers don't always list every discount in a way that's easy to find, so the list below details some of the more common as well as the least known credits available to bring down your rates. If you are not receiving all the discounts you qualify for, you are paying more than you should be.Insurance discounts

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you're out of luck.

To view providers that can offer you the previously mentioned discounts in Long Beach, click here to view.

Exclusive or independent auto insurance agents

Some people just want to get advice from a local agent and doing so can bring peace of mind One of the benefits of price shopping on the web is that drivers can save money and get cheap rate quotes and still have an agent to talk to. Buying from and supporting local agents is definitely important in Long Beach.

Insurance agents in Long BeachTo make it easy to find an agent, after completing this quick form, your information is submitted to insurance agents in Long Beach who will give you quotes for your car insurance coverage. You don't have to leave your computer because quoted prices will be sent instantly to you. You can find the lowest rates without a big time investment. If you have a need to quote rates from a specific insurance company, you can always go to their quote page and fill out the quote form the provide.

Choose the right auto insurance agent

If you want a local Long Beach insurance agency, you should know the types of agencies that differ in how they can insure your vehicles. Car insurance agents are considered either exclusive agents or independent agents.

Independent Agencies or Brokers

Agents that elect to be independent are not restricted to one company and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If they quote lower rates, they simply switch companies in-house and you won't have to switch agencies.

When comparing rate quotes, you need to get some free quotes from several independent insurance agents to ensure the widest selection of prices.

Exclusive Car Insurance Agents

Agents that elect to be exclusive generally can only insure with one company and some examples include Allstate and State Farm. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive agents receive a lot of sales training on their products and sales techniques which can be an advantage.

Deciding on a insurance agent requires more thought than just a cheap price. These are some questions you should get answers to.

Claim statistics by make and model

What are the chances of a claim? The claim statistics below outline the good and bad vehicles for the probability of filing claims for each type of coverage.

Auto Insurance Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Nissan Sentra
Ford Expedition Mitsubishi Lancer
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 2500 Kia Forte
Tesla Model S Chevrolet Spark
Ford F-350 SuperCrew Chevrolet Sonic

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Mitsubishi Mirage
Subaru Outback Dodge Charger
Mercedes-Benz SL Class Chevrolet Cruze
Fiat 500 Chevrolet Sonic
Subaru Forester Mitsubishi Lancer
Chevrolet Corvette Hyndai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Mercedes-Benz S Class
Volvo V60 Bentley Continental GT
Chevy Spark Audi S7
Infiniti QX50 Maserati Quattroporte
Chevy Silverado 2500 BMW M6
Nissan Leaf Bentley Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Ferrari 458
GMC Canyon Bently Continental GT
Mini Cooper Maserati Granturismo
Ford F-150 SuperCrew BMW 6 Series
Nissan Xterra Bently Continental GTC
Smart ForTwo BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Persistence will pay off

In this article, we covered many tips how you can reduce car insurance premium rates online in Long Beach. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

When searching for cheaper Long Beach auto insurance quotes, never reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

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