Want a free price quotes on more affordable insurance rates in Los Angeles, CA? Pricey insurance in Los Angeles can empty your accounts and possibly require postponing other expenditures. Doing a rate comparison is an excellent way to lower your bills every month.
Astonishing but true, nearly 70% of California drivers have purchased from the same company for a minimum of four years, and 38% of drivers have never compared rates from other carriers. American insurance shoppers could save almost $860 a year, but most just don't grasp how much savings they would realize if they replace their high priced policy. You have multiple insurance companies to pick from, and even though it's nice to be able to choose, having more insurance companies makes it harder to adequately compare rates.
It is always a good idea to price shop coverage yearly since insurance prices fluctuate regularly. Even if you got the best rate on insurance at your last renewal you may be paying too much now. Ignore everything you know about insurance because we're going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.
Obtaining price quotes for affordable insurance coverage in Los Angeles is actually quite simple. If you have a policy now or just want cheaper coverage, you can use this information to shop for the lowest rates without having to cut coverage. Smart buyers just have to know the most effective way to buy insurance online.
All major insurance companies like Allstate, GEICO and Progressive give prices for coverage online. Comparing prices online can be done by anyone as you simply type in the amount of coverage you want as detailed in the form. Behind the scenes, their rating system orders your driving record and credit report and returns a price quote based on these and other factors. This makes it a lot easier to compare rates and it's very important to compare as many rates as possible if you want to get a lower rate.
In order to find out if lower rates are available, compare rates now from the companies shown below. If you have coverage now, it's recommended you complete the form with the insurance coverages as close as possible to your current policy. This makes sure you will receive comparison quotes using the same coverage and limits.
The car insurance companies shown below are ready to provide comparison quotes in California. If you want to find the best car insurance in Los Angeles, we suggest you click on several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LS||$1,142||$571||$95|
|Chevrolet Silverado LT Regular Cab 2WD||$1,252||$626||$104|
|Dodge Grand Caravan Crew||$1,728||$864||$144|
|Dodge Ram Crew Cab Sport 2WD||$1,562||$781||$130|
|Ford Escape XLS 4WD||$982||$491||$82|
|Ford F-150 Lariat King Ranch 4WD||$1,628||$814||$136|
|Ford Focus SEL 4-Dr Sedan||$1,576||$788||$131|
|GMC Sierra SLT Extended Cab 4WD||$1,436||$718||$120|
|Honda Accord EX-L 2-Dr Coupe||$1,496||$748||$125|
|Honda CR-V LX 2WD||$1,028||$514||$86|
|Honda Civic LX-S 4-Dr Sedan||$1,384||$692||$115|
|Honda Odyssey Touring||$1,324||$662||$110|
|Hyundai Elantra SE 4-Dr Sedan||$1,452||$726||$121|
|Jeep Grand Cherokee Limited 4WD||$1,484||$742||$124|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,612||$806||$134|
|Toyota Camry LE||$1,388||$694||$116|
|Toyota Corolla XRS||$1,690||$845||$141|
|Toyota Tacoma Double Cab 4WD||$1,186||$593||$99|
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can modify premiums significantly.
Comparison of auto insurance rates by gender
The information below shows the difference between auto insurance rates for male and female drivers in Los Angeles. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no additional discounts are factored in on a Nissan Altima 3.5 SR.
Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Comparison of policy deductibles
The example below demonstrates how deductible levels and can raise or lower Toyota Corolla insurance premiums for different insured age categories. The data assumes a married male driver, comp and collision included, and no discounts are factored in.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
How high should deductibles be?
One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The rates shown below show the cost difference of buying low and high insurance deductibles. The first table uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tahoe LS 2WD||$342||$576||$442||$26||$132||$1,543||$129|
|Tahoe LS 4WD||$386||$576||$442||$26||$132||$1,587||$132|
|Tahoe LT 2WD||$386||$576||$442||$26||$132||$1,587||$132|
|Tahoe LT 4WD||$386||$576||$442||$26||$132||$1,587||$132|
|Tahoe LTZ 2WD||$386||$678||$442||$26||$132||$1,689||$141|
|Tahoe LTZ 4WD||$386||$678||$442||$26||$132||$1,689||$141|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tahoe LS 2WD||$210||$362||$442||$26||$132||$1,172||$98|
|Tahoe LS 4WD||$238||$362||$442||$26||$132||$1,200||$100|
|Tahoe LT 2WD||$238||$362||$442||$26||$132||$1,200||$100|
|Tahoe LT 4WD||$238||$362||$442||$26||$132||$1,200||$100|
|Tahoe LTZ 2WD||$238||$426||$442||$26||$132||$1,264||$105|
|Tahoe LTZ 4WD||$238||$426||$442||$26||$132||$1,264||$105|
|Get a Quote for Your Vehicle Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can influence premium rates greatly.
Using the data above, we can ascertain that using a $250 deductible will cost you roughly $34 more each month or $408 for a full year than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 22 months between claim filings, you would probably come out ahead if you choose a higher deductible.
Auto insurance is not optional
Despite the potentially high cost of auto insurance, insuring your vehicle is not optional due to several reasons.
First, almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability protection if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a loan, more than likely the lender will have a requirement that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your vehicle at an extremely high rate and require you to reimburse them for it.
Third, auto insurance protects both your car and your assets. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your vehicle as the result of the weather or an accident, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. According to a recent study, the average American driver is wasting up to $855 a year so compare quotes from several companies at least once a year to ensure rates are inline.
Choices you make can reduce your costs
Part of the insurance buying process is learning the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can help you get lower rates. Multiple criteria are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but some are more obscure such as whether you are married or your vehicle rating.
Shown below are some of the things utilized by car insurance companies to help set prices.
Additional coverages that may be costing you - There are a ton of additional coverages you can purchase on your insurance policy. Coverage for things like replacement cost coverage, towing coverage, and membership fees may be wasting your money. You may think they are a good idea when discussing your needs, but if you have no use for them remove them and pocket the money.
Gender and insurance prices - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that males are worse at driving than females. Both genders cause at-fault accidents in similar numbers, but the male of the species have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations like reckless driving and DUI.
Multiple policies with one company can save - The majority of insurance companies afford better rates to buyers who consolidate policies with them such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount, it's always a smart idea to compare other rates to help ensure you have the lowest rates.
More traffic equals higher premiums - Having an address in smaller towns and rural areas of the country may provide you with better prices when buying insurance. Residents of big cities tend to have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
How's your driving record? - Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Having a single moving violation can boost insurance rates by as much as thirty percent. Drivers who get serious tickets such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
Marriage reduces risk - Your spouse can get you a discount when shopping for insurance. Marriage means you're less irresponsible it has been statistically shown that married drivers tend to file fewer claims.
Teen drivers cost more - Drivers with little experience are known to be more careless with other occupants in the car and because of this, their insurance rates are much higher. Older drivers are shown to be more cautious, tend to file fewer claims, and tend to be get fewer driving tickets.
Get cheaper rates on insurance with these insurance discounts
Some companies do not advertise their entire list of discounts in an easy-to-find place, so the following list contains both well-publicized as well as some of the hidden ways to save on insurance.
- Anti-theft Discount - Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
- Seat Belts Save - Forcing all vehicle occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
- Pay Early and Save - By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
- Multi-Vehicle Discounts - Buying insurance for all your vehicles with the same insurance company can reduce the rates for all insured vehicles.
- Savings for New Vehicles - Insuring a new car can be considerably cheaper since new model year vehicles have better safety ratings.
- Air Bags and Passive Restraints - Options like air bags and/or automatic seat belt systems could see savings of 20% or more.
As a footnote on discounts, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you could get a free insurance policy, it's just not the way it works.
A few of the larger companies and some of the premium reductions they offer can be found below.
- State Farm offers discounts including defensive driving training, good student, driver's education, passive restraint, and multiple policy.
- GEICO discounts include driver training, emergency military deployment, anti-lock brakes, military active duty, multi-vehicle, good student, and membership and employees.
- Liberty Mutual offers discounts for new move discount, new vehicle discount, teen driver discount, preferred payment discount, and newly married.
- The Hartford offers premium reductions for good student, air bag, defensive driver, anti-theft, bundle, driver training, and vehicle fuel type.
- MetLife may include discounts for accident-free, defensive driver, multi-policy, claim-free, and good driver.
- Progressive may have discounts that include continuous coverage, good student, multi-policy, homeowner, online quote discount, multi-vehicle, and online signing.
When getting a coverage quote, ask all companies you are considering the best way to save money. Discounts might not be available to policyholders in Los Angeles.
Do I just need basic coverages?
When quoting and choosing adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique.
Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.
- Should I rate my vehicle as pleasure use or commute?
- Am I getting all the discounts available?
- What if an uninsured driver hits me?
- Are rental cars covered under my policy?
- Am I covered when pulling a rental trailer?
- Do I have coverage if my license is suspended?
If you don't know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.
When to get advice from a local insurance agent
Some consumers prefer to buy from a local agent and that can be a great decision Professional agents are very good at helping people manage risk and help file insurance claims. The best thing about comparing rates online is that you can find lower premium rates and also buy local. Buying insurance from neighborhood insurance agencies is important particularly in Los Angeles.
Once you complete this simple form, your insurance data is emailed to participating agents in Los Angeles who want to provide quotes for your business. It simplifies rate comparisons since you won't have to search for any insurance agencies since price quotes are sent to the email address you provide. In the event you want to compare rates from a specific car insurance provider, you would need to navigate to their website and fill out the quote form the provide.
Finding a good company requires more thought than just the bottom line cost. These are valid questions to ask:
- Is the quote a firm price?
- How much training do they have in personal risk management?
- Which family members are covered?
- Which companies do they recommend if they are an independent agency?
- Is there a local claims center in Los Angeles?
- Is working in the agency their full-time job?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do the companies they represent have a solid financial rating?
Consumers change insurance companies for a number of reasons such as high prices, questionable increases in premium, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.
Some insurance providers may not have the ability to get a quote online and these regional carriers work with independent insurance agencies. Cheaper auto insurance in Los Angeles is attainable online and with local Los Angeles insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.
As you quote Los Angeles car insurance, you should never skimp on coverage in order to save money. There have been many situations where someone sacrificed full coverage only to discover later that it was a big mistake. Your objective should be to buy a smart amount of coverage at an affordable rate, but don't skip important coverages to save money.
To read more, take a look at the following helpful articles:
- Airbag FAQ (iihs.org)
- Who Has Cheap Car Insurance Rates for a 20 Year Old Male in California? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)