SLASH YOUR LOS ANGELES AUTO INSURANCE RATE NOW AND SAVE

Are you currently insured?
Yes No
First Name:
Last Name:
Zip Code:

Sunday, November 22, 2009

Low Cost Los Angeles Auto Insurance -- The Following Will Get You Huge Savings


It is easy to get very low quotes and pay far less for sufficient coverage the moment you know the steps to take. Read through this article if you would like to join this special group who are paying a lot less while maintaining sufficient coverage...

1. "Pimping your ride" does NOT help if you want lower rates. Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car's horse-power will cost you a lot more. Any changes to your vehicle takes your rates up.

2. Drivers who do NOT make claims for above 3 years generally enjoy a special discount for this. But don't be surprised if your agent says that your LA vehicle insurance carrier does not offer this discount.

Your agent must be made to realize your dissatisfaction with their refusal to give you such a discount and do NOT fail to point out that you will possibly leave for a different insurer. Believe it or not, every insurance provider likes having people who stay claims free for this long and you shouldn't have any difficulty landing better rates with many other insurance companies.

But oftentimes a serious threat of switching from you is enough to make them give a concession.

Insurance Quote

3. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

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?

4. You're certainly paying too much if you have collision and comprehensive coverage for an old vehicle that is not a classic. A car's Kelly Blue Book value at point of filing claims (and not the cost of the vehicle when you bought it) is what affects what you'll get paid by your insurer. So even if you've paid your premiums faithfully for several years but the Kelly Blue Book value shows your vehicle is worth nothing, you will get a dime from the insurer and they'll be completely protected by the law.

Therefore, stop frittering away your money. Once a car gets old, discontinue collision and comprehensive coverage on it. If you apply this tip you'll save a lot.

Discount Auto Insurance

5. Do NOT be tempted to give false details in your attempt to get lower rates. State personal details truthfully. Presenting untrue details is fraud and affects everyone's auto insurance rates negatively.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. You'll then lose in a very big way. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. 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. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of rental car coverage. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. So it's a good idea to confirm first before you buy an unnecessary coverage.

Cheap Auto Insurance

8. The most vital key to considerable savings in auto insurance is comparison shopping -- That's if you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could easily save so much by simply picking the lowest quote. This should apply if you're simply after the lowest price.

Nevertheless, if you're looking for the best value to price ratio then you'd have to check the details of the cheapest quotes. Different insurers may have slight differences for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

Lower superior los angeles auto insurance rates Now and Save
Get free no-obligation los angeles auto insurance premium Compare Plan and Save

No comments:

Post a Comment