Feel like you have an under-performing, overpriced auto insurance policy? You’re preaching to the choir because there are a lot of people in Los Angeles just like you who feel imprisoned by their auto insurance policy.
It’s an obvious assumption that car insurance companies don’t want you to look for cheaper rates. Insureds who shop around once a year are very likely to switch auto insurance companies because there is a good chance of finding lower prices. A recent survey discovered that drivers who routinely shopped around saved about $850 each year compared to those who never compared other company’s rates.
If finding discount rates on insurance in Los Angeles is the reason you’re reading this, then having some insight into how to shop and compare coverage rates can make it easier to shop your coverage around.
Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest cost out there.
It’s important to compare premium rates every six months because auto insurance prices trend upward over time. Even if you think you had the best price on Chrysler 200 insurance in Los Angeles six months ago there is a good chance you can find better rate quotes now. There is a lot of bad information regarding 200 insurance online, but we’re going to give you some good information on how to reduce your auto insurance bill.
If you’re already insured, you will surely be able to reduce premiums using this information. Choosing the best rates in Los Angeles can really be easy if you know what you’re doing. But California consumers must understand the way insurance companies sell online because it varies considerably.
To find cheap rates, there are a couple of ways to compare quotes from many different California insurance companies. One of the best ways to lower the rate you pay for Chrysler 200 insurance involves getting comparison quotes online.
Comparing free price quotes online is easy and it, replaces the need to drive to local Los Angeles insurance agencies. The ability to get quotes online eliminates this option unless your situation requires the extra assistance of an agent trained in personal lines coverage. Although you can obtain prices from the web and have a local agent actually service the policy. When quoting auto insurance, remember that comparing a wide range of rates helps locate a lower rate than you’re paying now.
The following companies are our best choices to provide free rate quotes in Los Angeles, CA. If the list has multiple companies, we suggest you visit as many as you can to get the cheapest price.
Take policy discounts and save on Chrysler 200 insurance in Los Angeles
Some providers don’t necessarily list every available discount very clearly, so the list below gives a summary of some of the more common in addition to some of the lesser obvious ways to save on auto insurance.
- Resident Student – College-age children who live away from home at college without a vehicle on campus could qualify for this discount.
- Full Payment Discount – By making one initial payment as opposed to paying monthly you can avoid the installment charge.
- Safe Drivers – Drivers without accidents can save as much as half off their rates compared to accident prone drivers.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
- Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
One thing to note about discounts is that many deductions do not apply to the whole policy. A few only apply to individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
To see insurance companies with discount rates in Los Angeles, click here to view.
Protect more than your 200
Even though it can be expensive, insurance serves an important purpose.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific level of liability if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, almost every bank will force you to buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Chrysler at a more expensive rate and force you to pay a much higher amount than you were paying before.
Third, insurance protects not only your Chrysler but also your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying enough insurance more than offset the price you pay, particularly for liability claims. But the average driver in California overpays as much as $750 every year so you should quote and compare rates at every renewal to make sure the price is not too high.
Auto insurance quotes from local Los Angeles insurance agents
Many drivers just want to have an agent’s advice and doing so can bring peace of mind One of the benefits of comparing rate quotes online is the fact that drivers can get cheap auto insurance rates but still work with a licensed agent.
To help locate an agent, after submitting this simple form, the coverage information is immediately sent to participating agents in Los Angeles that can provide free Los Angeles auto insurance quotes for your coverage. You never need to search for any insurance agencies since rate quotes are delivered immediately to you. You can find the lowest rates without a big time investment. If you want to get a rate quote from a particular provider, just go to their quote page and complete a quote there.
Choosing the best company shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- Do they get extra compensation for selling add-on coverages?
- By raising physical damage deductibles, how much would you save?
- Do they write coverage based solely on cost?
- Is the agent and/or agency licensed to do business in California?
- Which company do they place the most coverage with?
- If they are an independent agency in Los Angeles, which companies do they recommend?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
If you are wanting to purchase auto insurance from a good Los Angeles insurance agent, it’s important to understand the different agency structures and how they are slightly different. Agencies in Los Angeles are considered either exclusive agents or independent agents.
Exclusive insurance agents can only write with one company like AAA, Allstate, and State Farm. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates.
The following are Los Angeles exclusive insurance agents willing to provide rate quotes.
Grace Jun – State Farm Insurance Agent
2426 W 8th St #218 – Los Angeles, CA 90057 – (213) 388-4955 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not sell for just one brand and that enables them to quote your coverage through many different auto insurance companies and potentially find a lower price. If your premiums go up, your agent can switch companies and you can keep the same agent.
When comparison shopping, you will want to include price quotes from at least one independent agent to have the best price comparison.
The following are independent agents in Los Angeles that are able to give price quotes.
Once you have received good responses to your questions as well as a affordable price, it’s a good possibility that you have found an insurance agent that can be relied on to service your policy.