It’s absolutely no secret that Los Angeles is home to some of the most expensive car insurance rates anywhere in California today… but this isn’t necessarily something that you just have to accept and learn to deal with. Despite what you may have heard, it is entirely possible to lower your auto insurance rates in and around Los Angeles without sacrificing the types of coverage you need when you need it the most. You just have to keep a few key things in mind.
It’s All About Those Car Insurance Discounts
Perhaps the best way to lower your car insurance rates in Los Angeles is also one of the most rewarding – literally. Make sure that you sit down and discuss any discounts that you may be entitled to with your agent, being careful to take advantage of each one for the best results. Oftentimes you can get discounts of between 10 to 20% for a variety of reasons, including but not limited to ones like:
- You have anti-lock brakes or other safety features.
- You’re over 50 years old.
- You’ve recently completed driver training courses.
- You’re a student that has excellent grades.
- You do not drink or smoke.
- You regularly car pool.
- You’re a doctor, lawyer, farmer or have some type of other job that an insurance company regards as being a “good risk.”
- You’re both a female and the only driver in a household.
Know What to Buy… and What Not To
Another way to significantly lower your car insurance rates in Los Angeles involves building your coverage very carefully based on the specifics of your own situation. If your car is already worth less than $2,000, for example, you can easily get away with dropping collision and comprehensive as it would only force you to pay a premium on repairs for a vehicle that you’re likely going to replace sooner rather than later anyway.
The Art of Comparison Shopping
Finally, if you really want to lower your car insurance rates in Los Angeles (or anywhere else, truth be told) you should always shop around to make sure that you’re finding the best prices in the first place. Never assume that every insurance company is going to charge the same rates. Oftentimes, you can save as much as 30 to 50% on your monthly premiums just by shopping around and comparing what one company may charge versus another.
Contact Pacific Unified Today
As a family owned and operated full service insurance firm, Pacific Unified Insurance has been proudly helping people just like you get the coverage they need in Los Angeles and the surrounding areas since all the way back in 1922. If you have any additional questions about how to lower your car insurance rates in LA, or if you’d just like to sit down and speak to one of our independent insurance agents in a little more detail, please don’t delay – contact Pacific Unified today.