Los Angeles Auto Insurance

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We all see and know the commercials, almost every day, auto insurance and how much you can save by switching auto insurance. If you watch TV at all you know the slogans “Saving money with Geico, so easy a caveman can do it.” “Switch to E-Surance and get animated about car insurance in Los Angeles.” And of course probably the most famous, “Like a good neighbor State Farm is there.” That is only three of the many auto insurers, others like TheGeneral.com, Allstate, Nationwide, and Liberty Mutual just to name some of the most well known.

Each one claims to save you the most money by switching from your current insurer to their business. They show you big numbers like “customers who switched from Geico saved 500 dollars” then an hour later you see a commercial saying that “customers who switch to Geico save 500 dollars.” So which is really the best auto insurance to get? Which one really saves you that much needed 500 dollars, and which ones are just putting up big numbers to roll in the customers? Read the rest of this entry »

Generally, when someone refers to “full coverage,” they mean the inclusion of both comprehensive and collision insurance on one’s auto insurance policy. Insuring a car in Los Angeles does not require a driver to pay for both types of coverage, though a lender may require this coverage if the vehicle being insured is going to be leased or financed in order to protect their investment.

Collision insurance, as the name would imply, provides coverage for the insured vehicle should it be involved in an accident, subject to a deductible. The function here, obviously, is to pay for the repair of the vehicle, or to provide a cash settlement should the vehicle be deemed unrepairable. A confident driver may consider this coverage superfluous and choose not to register for it, though as previously mentioned, most lenders will demand that this be included in a policy.

Comprehensive auto insurance is a less black and white, Read the rest of this entry »

If you’ve made it this far, it’s because you’re looking for information about Los Angeles car insurance. As in most states, auto insurance in California is required by law, which should come as no surprise. Unfortunately, the greater Los Angeles area is one of the most expensive areas in the country to insure an automobile, with average annual premiums topping $3,000 — way higher than the California state average of just under $1,800.

There are a couple of ways to go about paying for your car insurance. Typically, companies will charge monthly, bi-annually, or annually. If you don’t already know this, it might be helpful to be aware of the fact that a willingness on your part to pay for a longer time period up front will lower your average expense. That is, if your monthly payment, or “premium,” was $100, an insurance company might be willing to sell you six months of coverage for $570 up front, or better yet, a year’s worth of coverage for $1,100 if you can Read the rest of this entry »

There is a very interesting proposal currently under debate by California legislators. The, idea, commonly referred to by many as ‘pay-as-you-drive’ insurance, seeks to more accurately monitor a driver’s car usage in order to more accurately bill them. It has been lauded by legislators, environmentalists, and consumer advocates.

Environmentalists, for one, are in favor of this plan for obvious reasons. If people know that their car insurance bill will be higher if they are on the road more frequently, then they will be incentivized to drive less. Fewer motorists on the road means fewer harmful greenhouse gases being released into the atmosphere. Here in Los Angeles, this could have a significant impact on our nation’s worst smog problem.

Consumer advocates support the plan as well, as car insurance companies in Southern California have long erred on the side of over-billing in order to mitigate risk. That is, these companies are much more likely to bill you at the upper end of their estimate of how much you may drive in one year in order to protect Read the rest of this entry »