Car Insurance In Los Angeles – How To Save Money

December 2nd, 2015 by hesty No comments »

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.

Cheap Health Insurance in Los Angeles, California

November 29th, 2015 by hesty No comments »

Even movie stars get sick and although they may not necessarily be too concerned with the cost of their health insurance premiums, most individuals who live in Los Angeles, California are. Having cheap health insurance gives a person not only peace of mind but it also keeps a little extra money in their wallet. There are little known ways to secure a cheaper insurance plan and they include:

o Opting not to have co-payment coverage for standard doctor visits. Many health insurance companies will offer their clients the option of paying less per visit at a doctor’s office in exchange for lower premiums. By taking that clause out of the policy an individual can expect to see their premiums plummet.

o Only taking out hospital coverage. If you are generally a really healthy person you may not need much more than hospital coverage. Consider how many times you’ve visited a doctor in the last few years before deciding on a policy like this.

o Ask about coverage with your employer. Many employers offer group health insurance coverage to their employees at a reduced rate. This can be a great benefit to take advantage of.

Students who live and attend school in the Los Angeles area are often eligible for coverage through their educational institution. This is a great resource for kids who are no longer covered by their parent’s plan or for those who haven’t had any coverage in some time. The premiums are typically due at the same time as the school fees are. If a student does still qualify for coverage on another plan through an employer or their parents, they likely will be required to withdraw in writing from the plan. Otherwise this is really one of the best ways for young people to find cheap health insurance in Los Angeles, California.

Cheap Los Angeles Car Insurance

November 25th, 2015 by hesty No comments »

Cheap car insurance protects the car and takes care of all the relevant expenses in the event of a car accident. Car owners must choose a suitable car insurance that offers them desirable coverage. There are various kinds of car insurance available to car owners, and it may be a daunting experience to select the right insurance. There are policies such as comprehensive car insurance policies and liability car insurance policies that differ in the extent of coverage offered. Insurance provides financial security to car owners in the event of a fatal accident. The rules and regulations regarding auto insurance may vary from state to state. In most states, it is mandatory for all car owners to have car insurance. In Los Angeles, the premium for the insurance of a car may vary greatly depending on the insurer. It is advisable to look out for quotes from different insurance companies to obtain cheap car insurance.

The minimum coverage requirements may vary from state to state. The minimum limit of insurance for California is 15/30/5. This means California requires a minimum coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $5,000 coverage for property damage.

Generally, the insurer examines the driving record of a car owner. If the car owner has a good driving record, he is eligible for some discounts in the premiums. Many car insurance companies offer loyalty discounts to car owners renew their insurance policies with the company repeatedly.

Many insurance companies offer free quotes over the Internet. Car owners can utilize the services of discount car insurance brokers, to find cheap and reliable car insurance. There are several insurance companies that offer extremely cheap car insurances. The car owners must however verify the credibility of such companies. Car owners must compare and contrast all the quotes before choosing an insurance company.

In Los Angeles, the cost of car insurance depends on the make and model of the car. Generally, car insurance for a sports car is costlier than other cars.