Finding cheap car insurance in Los Angeles may seem daunting, especially since the city is one of the most expensive when it comes to auto insurance. You still may be able to lower your insurance costs and save money. Here are some tips.
With the amount of auto thefts, and the sheer number of cars on the road, Los Angeles drivers unfortunately pay higher auto insurance rates than a lot of cities. Some of the ways you can lower your costs include:
Raising your deductible — Having a higher deductible can lower your premium.
Getting only collision coverage — Adding comprehensive coverage can raise your premium quite a bit.
Getting the minimum limits of coverage — California requires, at the minimum, that you have $15,000 per person and $30,000 per accident coverages for Bodily Injury and $5,000 coverage for Property Damage. However, be careful about lowering your limits — these protect you from medical costs and lawsuits which could be very expensive in the event of an accident that you are at-fault.
Installing anti-theft devices — Many car insurance companies will give you a discount for anti-theft devices.
Driving less — That’s a hard thing for Southern Californians to do, but the fact is many auto insurance companies will give you a better rate if you only drive a few miles every week.
Taking advantage of discounts — Make sure you get all the discounts you can such as multi-policy, good student, etc.
Shopping around — This is the single most important thing you can do to see if you can save money on your car insurance. Rates vary quite a bit from one car insurance company to the next. Get at least three different quotes for comparison.
One of the easiest and fastest ways to do this is to go online. Insurance companies doing business in Los Angeles will probably have Web sites that allow you to request a quote. Or, take advantage of the convenience of a comparison site that allows you to enter your information once and then provides several different quotes back.