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Car Insurance Online

car insurance onlineLet’s face it when we go search for car insurance online we are all basically looking for the same thing. First, we want a good price and second, we want the best coverage we can get. At LA insurance, we understand our customers needs very well and are committed to providing a level of satisfaction that keeps our customers coming back. Whether you come into one of our many L.A. auto insurance stores or elect to get a free online auto insurance quote at our award winning website, we have you covered. Here are some resource tips that will help you
get better coverage and save you even more.

1. Bundle your car and home insurance together with LA Insurance Company and save up to 20% instantly.

One of the smartest things to do if you have both home and car insurance is to insure both with one company. Insurers will offer you discounted rates by bundling, and you can conveniently pay just one bill monthly. Check bundled rates now and see how much you can save.

2. Take advantage of every car insurance discount.

L.A. car insurance loves helping our customers find additional discounts, which can bring your premium costs down considerably. Some of our most popular discounts are:
* Good driver discounts. If you are a ticket and accident-free driver for the past 3 or more years, expect to save 10% or even more.
* Low mileage driver. If you do not drive many miles, then you can qualify for a low mileage discount that could save you 5% or more. Just honestly fill out the accurate amount of miles you drive annually on your car insurance online quote form and your discount will be applied.
* Garage vehicle discount. If you park your car in a garage on a nightly basis, you can get a discount because the odds of it being stolen are greatly reduced.

These are just a few on the many discounts available. To see what other savings you might qualify for, get a quote today and compare insurance rates in just a few short minutes.

3. Raise your deductible and save.
One quick way to save on automobile coverage is raising your deductible on your policy. A typical policy will have several options, including amounts of $250 – $500 – $1,000. The greater your deductible is, the lower your premiums and thus your monthly payments will be. So if you do get a $1,000 deductible, you can save about 15% or more on your policy and might be able to afford greater levels of protection with the money you save. If you are looking for enhanced coverage on a tight budget, this is an excellent way to get it. However, it is important to remember that in case you do get into an accident, you need to set aside the full amount of the deductible.

4. Pay your policy in whole.
If you have the money saved up, a great way to get 3% to 5% savings on your auto insurance is to pay your entire premium in one lump sum. Many insurers also charge monthly processing bill fees that typically range around $7-$8 or so. Just cutting out this fee by making a one-time payment will save you nearly $100. The other thing that is good about paying in full is you won’t have to worry about making payments each month, and it also saves a lot of time.

Shop for the best car insurance online with LA Insurance now.

Our average customers save over $500 a year, and some clients save even more. If you prefer to talk to a friendly professional LA ins representative, call anytime during regular business hours, seven days a week. They will assist you in getting a free phone quote or with any other concern you might have. Start your free quote now and start comparing cheap quotes in just five minutes.

How to get Cheap Auto Insurance Quotes

Almost everything seems to be getting more expensive these days, like a simple chicken sandwich costing $5 or more at your local fast food joint. While you cannot control all of these cost increases, you can focus on the items in your budget you have control over, like how much you pay for car insurance. With online internet access, everyone should look for cheap auto insurance quotes every six months or less. Today, anyone can access the best insurance quotes from all the major insurance providers in just a few short minutes. At LAInsurance.org, we work with dozens of top auto insurers to find you the very best coverage, with prices that fit into your budget.

Main cost factors that determine pricing

(and also some valuable tips that will help you get even cheaper coverage)

1. The car you drive.
Interest rates are extremely low these days, and that has allowed consumers to lower their car loan payments. However, before you sign on the dotted line with that new car, first check the insurance rates that you will end up paying. No matter how good a driver you are, your car will be a critical factor in determining how much you pay for automobile coverage.

Insurance companies have detailed info on each make and model and claim costs associated with them. Cars you would think might be cheap to insure, like a Honda Accord or Civic, are more expensive due to their very high theft rates. You can save hundreds per year on coverage just by getting a comparable car like a Volvo or Ford. Remember, in general, the more expensive your car is, the more it will cost to insure. Check with LA Insurance and get free estimates on any car you are considering purchasing first.

2. The miles you drive.
If you do not drive much, let’s say less than 800 miles per month, you can get some really cheap car insurance rates because insurers base premiums on risk. The more you drive, the greater exposure you have of getting involved in an accident.

If you just ended a long work commute due to a job change, like a new career working at home, you could probably get a lower insurance rate. In fact, the probability is based on you if you no longer drive too much.

On the contrary, the more you drive, the more you are at risk of crashing or any other incident. Remember, always be truthful when filling out your driving history in any insurance application because the truth will come out in the end anyways.

3. Your level of Insurance Coverage.
A key component to getting cheap auto insurance quotes is the type of coverage you decide on. If you are, for the most part, a good driver with an old car not worth much, then you might want just to get liability car ins. However, if you have a new car that is leased or financed through a lending institution, you will be required to carry full coverage, including collision and comprehensive.

Once you pay off your car loan, you have the choice to exclude comprehensive, which is more expensive. You can save a lot by sticking only with collision. Also, it is really important to note that the more assets you have to protect, the more coverage for your automobile will be needed. Stick with an amount of protection that will protect you financially in the event you are sued and held liable for injuries and property damage due to a car accident.

4. The age and sex of the primary driver.
While older drivers over 40 can get really good deals and usually save money, teens are paying record high costs for coverage. This is due to a surge in accidents involving teenage drivers, often targeted to distractions like cell phones, tablets, and music devices. In fact, teen boys are the most expensive drivers to insure in the U.S and get in many more accidents than their female counterparts.

Women over 25 can also expect to get cheaper automobile ins rates than men because statistics shows they get in far fewer accidents and fewer DUIs. If you are a young driver, get good grades in school so you can be eligible for academic achievement discounts and take a driver safety class from a certified professional. These two tips will help you save 15% or more on your coverage.

5. Your zip code area.
Insurers charge different rates for each zip code throughout the U.S. Some areas like Camden, New Jersey have high rates of auto theft and accidents, which result in more expensive car ins. Other, more rural areas are much cheaper to insure. A great tip on lowering your auto insurance costs is to move to an area that is cheaper. Go to sites like CarInsuranceEstimate.org and get free estimates on each zip code and also compare rates in just seconds.

6. Your driving record.
This is one of the most important factors insurers use to determine your rates. The better your driving history is, the lower your auto insurance rates will be. If you do get a ticket or any other infraction, always go to traffic school, so the points do not appear on your record permanently.

Also, take a certified driver safety course and you could qualify for a discount of 5% or more instantly. Remember to follow all traffic laws and drive responsibly. Good drivers, after all, get better insurance prices.

Shop online at LA Insurance now and let us find you cheap auto insurance quotes. in just five minutes or less. We will also get you every discount you qualify for, which will help you get even lower rates. Start your quote now and see how easy shopping for automobile coverage is with L.A. Insurance company.

SR22 Insurance Proves Financial Responsibility

SR22 Insurance Proves Financial Responsibility

SR22 Insurance is a misleading name due to the fact SR22 forms do not provide insurance but only demonstrate to state officials that auto insurance is in place and will remain so for a specified number of years. SR22 forms are required of anyone who has had a license suspended in many states and wants to have it reinstated.

Insurers Issue Forms

Insurers issue the forms to state licensing officials so people who have had their licenses suspended can get the reinstated and drive legally once again. There are a lot of ways people can lose their driving privileges across the United States. The biggest is to be convicted of drunk driving or reckless driving, which automatically results in the loss of driving privileges aside from going to and from work in some cases. In others, no driving is allowed at all for a period of time, such as six months to a year.

But when those driving privileges are restored, the problem of finding affordable car insurance becomes a daunting challenge. High risk drivers automatically are excluded from many of the primary auto insurance companies in the United States. Some firms offer high risk plans for motorists, but those plans typically are very expensive due to the collective high risk of insuring bad drivers. Those risks are not covered by traditionally more affordable and standard auto insurance plans. But pooling those risks among other high-risk auto insurance plans makes it easier for some insurance companies to provide insurance plans for high risk drivers, such as SR22 insurance plans.

Assures State Officials Insurance Is In Place

An SR22 form assures state officials that the driver has suitable insurance coverage and intends to maintain it for a period of time. If the auto coverage should lapse, the driver could find his or her license suspended for a period of time until either the period expires or suitable insurance coverage is obtained. While not actually an insurance plan, the form indicates to state officials that insurance is in place and will remain so for a specified period of time, such as the next six months or year.

Essentially, the form is a promise to maintain car insurance coverage to drive legally on public roads and protect the assets and well being of others. High risk insurance usually only provides liability coverage within state mandated limits and primarily protects others. Any passengers who might be injured in an accident or victims in other vehicles who might be injured would be compensated up to policy limits for their injuries and cost of medical treatment.

Helps Restore Trust, Driving Privileges

If someone has had a drivers license suspended due to driving under the influence and that person winds up in another accident after getting his or her license back from the state, any damages inflicted on other people’s property would be covered up to policy limits. And the SR22 form helps affirm to state officials the pledge of having and maintaining suitable levels of auto insurance coverage until more traditional plans can be had.

It takes time for high risk drivers to establish their trustworthiness to insurers and state officials – sometimes years. And the right form will help ensure the driver will abide by state laws until that time comes.

Explaining Why Liability Insurance Is Mandated

Liability insurance on automobiles and other vehicles is required by law in every state to protect others against injuries or damages caused by the use of the insured vehicle. That means there is no insurance protection for the owner of the vehicle, just passengers and others who might suffer losses from its use.

Liability plans protect:

• Passengers and others injured in accidents.
• Other people’s property.
• The finances of the policyholder who is liable for medical and damage costs.

Injury protection is provided for others

Auto liability coverage is mandated in every state and has three primary components that protect others. One component pays up to policy limits for injuries and the cost of medical treatment for any single person injured in an accident caused by the insured vehicle. It the policy limit is $10,000, if one person is injured in an accident involving the insured vehicle, the insurance company will pay up to $10,000 for that person’s medical costs.

When more than one person is injured in an accident involving an insured vehicle, generally, the coverage limit is double that of medical payments for one person injured. So if the limit is $10,000 for an individual, it likely would be a maximum $20,000 paid in total for medical payments for injuries to all those hurt in the mishap. If those costs are exceeded, the owner of the vehicle could be sued and held financially responsible for the additional costs not covered by the insurance plan.

Property damage is protected up to policy limits

Property damage is the final component of auto liability policies and usually is the same amount as injuries for one person. If a policy pays up to $10,000 for injuries to an individual, it likely would have a $10,000 limit for property damage. That coverage only applies to damage to other vehicles or property and not to the insured vehicle.

All liability coverage can be adjusted based on the needs of the vehicle’s owner. If the car owner has a great deal of assets and investments, carrying a higher level of protection to protect those assets generally is a good idea. Additional umbrella insurance also can be purchased to pay amount exceeding those provided by auto policies.

States mandate coverage to protect victims and vehicle owners

States require people carry liability coverage to protect their finances as well as other people and to prevent tying up courts with a great deal of lawsuits arising from accidents. If there were an accident causing a number of injuries or property damage, the resulting lawsuits and medical bills likely will wipe out any amount of cash and assets being held. But a good liability protection plan purchased at a good rate will protect homes, family finances and other assets when things already are bad enough.

Uninsured, Underinsured Motorists Coverage Required

Uninsured, Underinsured Motorists Coverage Is Required In Many States. Twenty states plus the District of Columbia require vehicle owners to purchase uninsured, underinsured motorists coverage to protect against the possibility of suffering injuries or property damage caused by a driver who either has nor car insurance coverage or has too little to pay the costs of medical payments or repairs or replacement of damaged or destroyed property.

Insured drivers might not have enough coverage to pay costs

Although every state requires motorists to have at least some mandated level of liability insurance coverage to protect other people who might suffer injuries or property losses caused by others, in some states, that liability protection can be as little as $5,000 for injuries to a single person, $10,000 total for injuries to all people in an accident and as little as $5,000 in property damages. That means even if motorists have state minimums in place and are driving legally, there still is a great potential for costs exceeding coverage limits if responsible for accidents causing injuries or damages.

Medical costs easily can exceed state minimum liability insurance coverage limits, so, too, can the cost of property damage to others. When as little as $5,000 is carried on a liability insurance plan for property damage to others, that amount can be surpassed by the cost of repairs or replacing damaged vehicles of from losing control and running into a home, business or other property, causing a great deal of damage and possibly displacing the homeowners or other property owners for a period of time

States mandating uninsured, under-insured motorists coverage are:

• In the East, Connecticut, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Rhode Island, Virginia and Washington D.C.
• In or near the Central United States, Illinois, Kansas, Minnesota, Missouri, South Dakota, West Virginia and Wisconsin.
• Oregon is the only state in the West requiring the coverages.

Number of uninsured drivers keep rising

The number of uninsured drivers has risen sharply in recent years with some states reporting more than 25 percent of vehicles traveling the roadways have no insurance coverage at all. That means a lot of people are at risk if they suffer a loss while involved in an accident with a driver who illegally is operating a vehicle with no insurance coverage, which is why nearly half of all states require drivers to also have coverage to protect against uninsured motorists who are driving illegally.

Even insured drivers can be declared ‘uninsured’

If a hit-and-run driver causes and accident and cannot be found, there is no insurance policy to be used in such cases, so uninsured motorist coverage would apply. For example, if a car is struck in a parking lot and the offender took off without reporting it and no longer could be located, for insurance purposes, the unidentified driver would be declared to be uninsured. And if an uninsured driver should strike a pedestrian or perhaps lose control and run into a home or other type of property, resulting in a great deal of damage, the uninsured motorist coverage would provide financial relief to the victims.