Auto insurance in Los Angeles can be pretty expensive compared to the rest of the country. Here are some ways to help you find lower quotes and save some money.
With gas prices getting more and more expensive, L.A. drivers are looking for ways to cut costs. After all, driving is still pretty necessary in this city. One way you may be able to save is on your auto insurance.
Auto rates are high in Los Angeles for a variety of reasons including a higher number of auto thefts. However, the one thing many people don’t realize is that those rates can vary from company to company.
Auto insurers will set their rates based on their internal underwriting guidelines, and may be more competitive for different age groups of drivers or locations where you live. So the number one thing you should do to try to lower your car insurance is to get comparison quotes. The Insurance Information Institute recommends that car owners get at least three quotes from different companies.
Just spending a little time doing this could save you hundreds. You can get out the phone book and start calling insurance agents and companies, or take advantage of the Internet. Online, you can request quotes from individual company Web sites, or even an agent in your area.
You can also use an insurance comparison site, which allows you to enter your information once but provides several different quotes back. To get the most accurate quotes, you want to provide the same information about your coverages, deductibles and the drivers. That’s one reason why a comparison site is so convenient, since you don’t have to keep entering that information.
You might want to ask yourself if you really need a low deductible. Raising your deductibles on comprehensive and collision coverages can save you quite a bit on your premium.
Also, ask about available discounts. Some companies claim to offer discounts up to 20 percent for things like having two or more policies with them, low mileage, taking a defensive driving course, having anti-theft devices and more.