Dirt Cheap Los Angeles Automobile Insurance -- Recommendations For Certain Age Groups

1. Under-25 drivers pay very high Los Angeles car insurance rates. If you fall into this age group you can get cheaper rates if you keep getting good grades at school. It's known as the good student discount.

To have it, however, you must keep getting a minimum of a "B" grade. It attracts a discount of about 5 percent. This discount is given because insurance providers claim there is a correlation between good grades and a young driver's behavior while driving. Reckless students are not likely to maintain excellent grades.

2. For those who are above 55 years of age, you will be eligible for a discount after a drivers' refresher course. Passing such a course will qualify you for discounts as high as 10 percent. You are advised get more information about this from your agent.

3. Are you a retired person? Then you can get a retiree discount with most insurance providers. The obvious argument for this discount is that retired persons normally drive less. Driving less will lead to reduced mileage which definitely makes you a better risk.

The fine points for each insurance company might differ but this is certainly a good way to reduce your auto insurance cost. Therefore it's important to discuss this with your agent. If for any reason they don't have a discount like this, don't fail to inform your insurance agent about your change in mileage. This should reflect in lower rates for you.

4. The most vital route to considerable savings in auto insurance is comparison shopping -- Provided that you do it right. You can get quotes that will have a range in excess of $1,000. You could easily save that much by simply going with the lowest quote. This should apply if you're just after the lowest price.

However, if you want the best price/value then you'd have to look at the details of the cheapest offers. Different insurers may have different exclusions for similar policies. It's wise to ask the agent what's included and what's excluded.

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