7 Sure-Fire Steps For Cheap Los Angeles Auto Insurance

You don't have to do difficult things in most cases in order to reduce your LA vehicle insurance rates. Just knowing a few compulsory things and applying them will make a big difference. Following are several tips that will help you achieve that goal...

1. Make sure your car is always parked in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area.

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2. Are you a retired person? Then you can get a retiree discount with most LA insurance carriers. The simple logic for this discount is that retired persons usually drive less. A person's total mileage is a strong issue which affects what they pay in premiums. Therefore, any event that brings down your total mileage count remarkably should cut down your rate.

The fine points for each insurance company may differ but this is certainly an excellent way to lower your vehicle insurance rate. You can learn more about details from your agent. Even if they don't call it a retiree discount, registering a dramatic drop in mileage is advisable. You should get a a cheaper rate if the decrease in mileage is big.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. It will cost you much more to buy insurance for a car if it has a poor safety rating. Does your vehicle have built-in safety features? They'll make you eligible for a Safe Vehicle Discount.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. The savings involved should make any sacrifice you make to go through such a program well worth it. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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An extra tip...

You could save several hundreds of dollars by just receiving and comparing quotes from not less than five insurance quotes sites. And, it will take you only a total of 25 minutes.
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