Long Beach is a big coastal city down in South California with a very busy port and a bustling economy. People are drawn to live here because not only because of career opportunities but also due to the natural beauty of the place. Those who are thinking of a transfer will want to find out the best deals in town, including cheap auto insurance in Long Beach, CA. Californiaautoinsurancequote.org has all the details ready for thorough head-to-head comparisons.
Average Long Beach Auto Insurance Quotes: Save up to $325 annually!
Drivers in Long Beach have it pretty good in terms of car insurance as they tend to pay lower than the nationwide average of $1,725. Residents of the city allot roughly $1,439 every year for their premium. This is a little higher than the statewide average in California of $1,401 but not by a wide margin. In reality, car owners can expect to pay anywhere from $1,114 to $2,786. People must shop around to find insurance providers that will let them inch closer to the lower end of the spectrum.
Car Insurance Factors in Long Beach, CA: The Secrets for Going Down Low
Aside from the providers, conditions must be right in order for car owners to avail of insurance discounts. Assessors will look into both their credit and driving histories to see whether they have the potential to default on payments or get involved in an accident. The vehicle will also be examined for risk factors including age, color, and model. Other things that get scrutinized are:
- Location. Some cities pay more than others and a large part of the reason for that is the population density. A place that’s densely packed with people is likely to be densely packed with cars as well. This increases the risk collisions and so drivers are forced to cough up higher premiums. Long Beach had a population of 462,257 in 2010 which gives it a high density of 9,164 people per square mile.
- Driving to Work. Hardly anyone looks forward to their morning commutes with all the traffic on the road. To add to the confusion, insurance providers jack up the premiums for rush hour drivers because most accidents happen at this time. On the other hand, there’s good news to people who drive during odd hours with free-flowing traffic as they are likely to get a discount. Long Beach residents deal with an average of 28.7 minutes of commuting every weekday. The number of fatal accidents within the city was 6.1 for every 100,000 in 2009, slightly higher than California’s 5.5.
- Auto Thefts. Carjackers tend to focus on models that sell well in the used car market either as a whole or in parts. Insurance companies keep track of the top models stolen every year and those that own them will have to pay higher, unless they make their cars unattractive to thieves by placing locks, alarms, and similar devices. Auto thefts in Long Beach have gone down to 2,189 incidents in 2010 from as high as 3,964 in 2001.
- Education. Studies show that diligent scholars are likely to become careful drivers so insurance providers reward college students and graduates with substantial rate cuts. In Long Beach, 15.8% possess a bachelor’s degree while 18.8% have a high school diploma. In California, the figures are 17.1% and 20.1%, respectively.
Californiaautoinsurancequote.org can guide you in your quest for lower auto insurance rates. Scroll up, enter a few details on the quote box, and hit “go” to start the process. You will be amazed at amount of money you’ll save.