SLASH YOUR LOS ANGELES AUTO INSURANCE RATE NOW AND SAVE

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Tuesday, November 24, 2009

LA Vehicle Insurance Rates -- To Save Massively, Implement These


We all will appreciate a very cheap LA vehicle insurance rate that comes with the right coverage. But how can this be achieved? Here are steps that will help you get considerable discounts with ease...

1. The difference in the cost of insuring comparably priced vehicles could be massive. Therefore, have this on your mind when you are ready to shop for your next car. A car of similar specification that has a bad crash rating and higher theft rate will cost a lot more to insure.

In addition, it will also cost you more if a car costs a lot to repair or maintain. Asking the right questions will help you avoid expensive-to-insure cars and enjoy cheaper rates.

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2. A vehicle with a higher safety rating will get you cheaper rates than another with a poorer rating all other things being the same. Safety features should receive top consideration when shopping for a new car. Such mechanisms attract a good discount. To get more information on these and how much savings you'll realize by fixing them, discuss with your agent.

3. It's a known fact that young drivers attract high rates. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

Therefore, as much as possible, do not place such a driver on your own policy. You'll be made to pay very high rates if you do otherwise. Sign an exclusion form that will allow your teen driver have his or her own policy.

If a teen is keen on driving then then should be made responsible for at least the cost of their LA auto insurance. This act will save you more than money as your teen driver will happily listen when suggestions are made on things that will bring down the high rates they pay. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

Affordable Auto Insurance

4. You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Most insurers will give you a discount of about 5% if you stay with them for up to five years (some will give you once you stay for up to three.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. Insurers offer these as incentives to keep you with them since it serves them better too. The longer you stay, the more you'll save.

However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.

Let usassume, that you are given a five percent (or $125) discount after your third year with an insurer where you current auto insurance premium is $2,500.

But due to inflation, insurance companies may have to make adjustments in their rates to reflect those changes. But if you are someone who does routine shopping for auto insurance you'll almost always get an insurance carrier within those years of waiting who will give you comparable coverage for less. In this regard, it will be pointless to stay put because you want to get a discount down the line when you can pay less at the moment.

Furthermore, in most cases, most folks will actually pay a lot less than they are currentl on auto insurance if they shop right.. In order to know if you're not simply missing out better offers, get and compare auto insurance quotes from up to five insurance quotes sites..

5. Defensive driving makes you eligible for cheaper rates therefore take a course on it. Apart from the fact that such programs will improve your driving skills, they'll show your insurance provider that you're taking active steps to make yourself a better risk.

6. 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. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

So check with your agent before you commit to a new home. I know: That isn't usually an issue when you're looking for a home but it's really important.

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

Cheap California Auto Insurance

7. As an under 25, you can pay lower LA auto insurance rates if you use your parents' policy. If you're of driving age, then your parents certainly are far above twenty five years which means they are lower risk drivers.

To take advantage of this though, you'll have to live with your parents and also have the vehicle registered in their name. If you want to be the owner of your vehicle, then be the big boy or girl and also own the costly rates. Sorry, you can't have both with this option. However, you can still make massive savings by following the link at the end of this piece.

8. You can lower your auto insurance rates by getting and evaluating quotes from at least five good insurance quotes sites.
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