Cheap Los Angeles Auto Insurance -- These Will Get You Huge Savings

Folks who understand the right steps to take don't have any problems attracting the lowest rates without downgrading the quality of coverage they get. This article will teach you steps you can take if you want to attract cheap rates without downgrading the quality of coverage you get...

1. If you want to keep your rates down, do NOT "pimp your ride." If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. Staying claims-free will make you eligible a good discount. A number of LA insurers may not offer this discount without some coercion.

If your agent tells you that they do NOT offer this discount make it clear that you'll change over to another insurance carrier. Take it or leave it, every insurer likes having drivers who stay claims free for this long and you shouldn't find it hard landing cheaper rates with a host of other insurers.

Almost all insurance providers will do everything possible to make sure they do NOT lose a prized policyholder and this should result in a concession from them.

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3. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. This doesn't come readily to mind when you're shopping for a new home. Does it?

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

4. You are certainly paying too much if you have collision and comprehensive coverage for an old car that is not a classic. This is because you're paid compensation based on what is referred to the Kelly Blue Book value of your car at the time you make a claim. So even if you have paid your premiums diligently for years but the Kelly Blue Book value says your vehicle is worth nothing, you will get nothing from the insurance company and they'll be fully covered by the law.

Therefore, stop frittering away your money. Once your vehicle gets old, cut out collision and comprehensive coverage types on it. This easy tip will give you much savings and not compromise you at the same time.

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5. Don't try to give false information in your bid to attract more affordable rates. Present details just the way they are. Insurance fraud is detrimental to everyone.

Furthermore, an insurer has the right to cancel your policy if you give false details. You'll then lose in a very big way. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

7. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. A good number of credit cards give you an automatic rental car insurance coverage once you use them to rent a vehicle. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. You can get lower rates on LA auto insurance now by visiting at least five quotes sites. Each site will take you around 5 minutes or less to receive quotes. (Some people present details that is not quite correct about themselves. That is NOT wise since the quotes you'll get this way will NOT be of any use to you).

You'll simply pick the best auto insurance quote for you from the list of quotes received. That's all there is to it. However, you could easily save hundreds of dollars.

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