Compare auto insurance rates in just a few minutes
It’s the smart way to shop: pick the coverages you want, then compare car insurance rates for the exact same coverages at a handful of companies. It’s fast. It’s easy. It’s all online. Try it now to find your best rate. If you’re looking for even more savings, then check out our auto insurance discounts.
Los Angeles Auto Insurance Facts
Los Angeles insurance premiums are among the most expensive in the country. Average annual premiums top $3,000, much higher than the state average of just under $1,800. Why are Los Angeles insurance premiums higher than the rest of the nation? Consider the following facts regarding Los Angeles motorists.
- Los Angeles residents commute an average of 29.6 minutes to work every day and drive an average of 35 MPH.
- There were 257 fatal car crashes in the city of Los Angeles in 2007.
- A total of 716 people and 407 vehicles were involved in those crashes.
- Lastly, there were 23,524 auto thefts in the city of Los Angeles and surrounding areas in 2007.
What does all this mean to you, if you work and live in Los Angeles? The occurrence, frequency or potential of an accident and/or theft has an impact on your ability to get auto insurance at an affordable cost. Car accidents and thefts drive up insurance premiums. Becoming a safety-conscious driver can save you money in the long run and keep your insurance premiums low. Driving within the speed limit, wearing your safety belt and having your car equipped with airbags can save you money and save lives. Taking driving courses to keep your driving skills sharp can get you discounts on your auto insurance policy.
Being aware of where you park your car, especially at night, can reduce your chances of theft–and increased insurance costs. Your car may be inexpensive and small, but you will pay higher premiums if your car is a make and model that has a high theft rate. Los Angeles insurance companies take into account the theft rate for each make and model of vehicle they insure. You may be surprised to find that the 10 most stolen vehicles in the city of Los Angeles in 2008 were as follows:
- 1991 Honda Accord
- 1995 Honda Civic
- 1989 Toyota Camry
- 1994 Acura Integra
- 1994 Nissan Sentra
- 1988 Toyota Pickup
- 2004 Chevrolet Full Size C/K 1500 Pickup
- 1995 Saturn SL
- 2007 Toyota Corolla
- 1997 Ford F150 Series
Lower insurance premiums are not a thing of the past once you have had a couple of accidents that landed you in the high-premium/high-risk category. If you keep your driving record clear of any further accidents and maintain timely payments and avoid cancellations or lapses in your coverage, your premiums will eventually decrease.
Get a free quote from a number of Los Angeles insurance providers even if you have coverage to see if you’re paying a competitive rate, or more than you should be, especially if you’ve had your car for a while. Regardless of your situation, your insurance premiums should decrease as the value of your car depreciates. If you’ve had your car for three years, and you’re still paying the same premium, it’s time to show your insurer the quotes you got from the other companies and see what your insurer is willing to do to keep your business. If the insurer insists you’re getting the best deal, consider making a change to one of the many other Los Angeles insurance agencies. Chances are your insurer will be glad to offer you a lower premium just to keep your business.
We always advise drivers to compare quotes from at least three different auto insurance companies to find affordable rates. That’s because insurers can view and charge the same driver very differently based on their experience. In our research, the most expensive insurer’s quotes can be 2 — 4x quotes from the cheapest car insurance company. The only way you’d know is if you compared quotes across several insurers.
- Auto Insurance Quote Comparisons
- Quotes Online vs. with Agent
- Getting a Car Insurance Quote
Auto Insurance Quotes
We reviewed annual rates from eight insurers with the largest national market shares to highlight how much car insurance quotes can vary for drivers. The graph below shows the range of quotes between insurance companies, using a blend of four different motorists from our car insurance analysis in California as a benchmark.
Your actual quote is going to be very different since the rates above are an average of four driver scenarios in California: two single drivers in their early 30s, a young married couple in their early 20s, and a married senior couple.
Using the four driver profiles as a benchmark, we can see that rates vary quite widely. We calculated that the eight largest insurers’ averages for our four CA drivers ranged from $623 on the low end to $1,225 on the high end. The highest quote could pay for nearly two years of coverage from the cheapest insurer. Note that USAA only insures militar members and their families. If we exclude this specialty insurer, the difference narrows, but is still substantial, by $400+ in annual premiums; the most expensive quote would be 50% higher than the cheapest among the eight.
Price is but one factor in picking a company to insure with, but you can see why it makes a big difference for motorists looking for the cheapest auto insurance. If cost is important to you, get three quotes at a minimum so you have some basis of comparison, or even leverage. Beyond the eight largest car insurers in the U.S., there are a lot of independent local and regional companies that drivers can get quotes from.
Car Insurance Quotes by Driver Type
How about comparing quotes for specific drivers? This graph shows how the sample motorists got different quotes from four of the largest insurers. The four profiles represent a mixture of California motorists and include: a 31 year old single man, a 31 year old single woman, a husband (29 years old) and wife (27 years old), and a senior couple with a 67 year old husband and a 65 year old wife. Each profile captures driving experiences from a clean record to getting a speeding ticket and being in an at-fault accident in the previous 3 years.
Shopping for car insurance can be one of life’s more frustrating experiences. Let us help you find the best policy and price by avoiding common online mistakes.
Different car insurance companies often produce very different quotes for the same person, even if the policies being compared are identical. This makes comparison shopping a crucial part of buying auto insurance; wise shoppers will compare at least four or five different insurance providers to make sure they are getting a good deal.
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.
In order to provide an accurate list of options, comparison sites ask you for basic information such as your zip code, occupation, vehicle make and model, and driving history. These details allow the site to provide an accurate list of different insurance policies, options and rates.
However, not all sites that claim to provide insurance quotes are the real thing
How Auto Quote Comparison Sites Work
There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
Unlike quote comparison sites, lead generation sites simply sell your information to their advertising partners—typically insurance companies. These sites are not built to provide you with personalized quotes and are not much help when trying to compare car insurance rates. Avoid these sites unless you’re eager to receive tons of cold calls from insurance phone banks and desperate agents.
Insurance comparison websites can be further broken down into sites that provide real-time insurance quotes versus those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date; to get the most accurate information you should use a site that provides real-time quotes generated by the insurance companies.
Car Insurance Comparison Sites with Real Quotes
The following comparison sites offer real-time, accurate insurance quotes.
Insurify is a free insurance comparison website that provides real-time, accurate quotes from top insurance companies in the U.S. It is rated 4.8 out of 5 on ShopperApproved, where it has 735 user reviews.
The site offers a wide variety of carriers to choose from, an easy-to-use interface, and can effectively service drivers in all segments of the market. To-date it has delivered over 4 million insurance quotes from top providers such as The General, MetLife, and Liberty Mutual.
Insurify has been featured on Forbes, the Wall Street Journal, and CNET and is considered one of the top auto insurance comparison sites.
So you’re thinking about buying a new car? Unless you’re paying in cash, you’re probably up to your ears in cost estimates. How much will your monthly payments be? What about the interest charges for financing the car? And how much can you really afford?
Even if you’re paying in cash for your car, you’re probably swimming in numbers. How much do you have in your bank account? How much can you expect to negotiate? Do you really want to spend your whole savings balance on a car?
Unfortunately, we’re here to add more numbers to your thoughts: the cost of insurance.
When calculating how much car you can afford, it’s common to think only of your car payment. But you also need to look at other costs, including the cost of registration and taxes, the financing costs, and, you guessed it, the cost of insurance.
Car insurance companies account for a variety of factors when they decide how much to charge for your vehicle. And one major factor is the car in question. And it’s not just about the cost of the car. It’s also about things like the car’s make and model, the year of the card, and any additional features the car might have.
Here, we’ll talk about the car-related factors that affect your insurance costs. Then we’ll talk about how to shop for car insurance before you head to the car lot.
Car Characteristics and Insurance Price
So what characteristics of a vehicle affect insurance costs? Here are a few to consider:
- Price: The more expensive the car, the more expensive it will be to insure. After all, if you have comprehensive coverage, your auto insurer will have to give you the value of your car if you total it. A more expensive vehicle means a bigger payout for the insurance company. And they’ll gladly pass those potential costs on to you in the form of higher premiums.
- Cost of Repairs: High-end and foreign cars are often more expensive to repair. This is especially true if it takes particular expertise to fix the car in question. So if you’re looking at a car with more expensive parts or specialized labor required, you’ll have higher insurance costs.
- Age of the Car: Very old and very new cars can be more expensive to insure. Although very old cars are cheaper if you don’t finance them and, therefore, don’t need comprehensive coverage.
- Driver Assumptions: Unfortunately, car insurers make assumptions about you, the driver, based on the car you choose. Those who drive fast, sporty cars may be more likely to take risks and wind up in accidents. So these cars can be more expensive to insure than family-centered minivans and hatchbacks.
- Body Type: A car that is larger and heavier is more likely to do major damage in an accident. This can make cars like SUVs more expensive to insure.
- Theft Statistics: Vehicles that are more likely to be stolen are more expensive to insure. Insurance companies stay on top of theft reports, and which types of vehicles are most popular for thieves to take or attempt to take.
- Safety Features: Most cars today, even older models, have basic safety features like airbags and anti-lock brakes. But you can get more insurance discounts if your vehicle has additional safety features like a backing camera or blind spot alerts.
- Anti-Theft Features: You’ll see a discount on your car insurance if the car in question has anti-theft features, such as a built-in alarm system.
These are the types of features to keep in mind when you’re shopping around for a vehicle. In general, choosing a moderately-priced, new-ish sedan with extra safety and anti-theft features will net you much lower insurance costs than choosing a high-priced, cherry-red sports car.
For years Strong Tie Insurance has been developing an insurance community to improve the insurance coverage extended to you. We can now say that we are one of the top providers of customer support and representation in California insurance. We are very proud of the insurance services we can offer you.
California auto insurance may be one of the most commonly sought lines of insurance, but that doesn’t mean you should take shortcuts when weighing your options. We believe that each customer should know and understand all of their CA car insurance options without feeling inundated. Our well-informed agents do their best to simplify the California auto insurance selection process for you.
At Strong Tie Insurance, we understand that you may not want to spend a great deal of time purchasing an California auto insurance policy. You can get the ball rolling quick and easy by filling out the free quote form on this page. You also have the option of talking to one of knowledgeable agents for a more personalized experience.
We offer the following options for your CA car insurance plan:
- California Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
- California Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
- California Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
- California Collision Insurance– insures the policyholder from loss during a collision with another vehicle or object.
- California Comprehensive Auto Insurance – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
- California Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.
Strong Tie Insurance wants to help you find a cost-effective, comprehensive auto insurance policy. As an independent insurance broker, we can shop our list of insurance partners to determine a plan that best fits your lifestyle – this is a perk the chain insurance companies cannot offer you.
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How long does it take to get a car insurance quote?
Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.
Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.
Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.
How many car insurance quotes should you get?
Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.
A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.
How do you select the best automobile insurance quote?
Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?
Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.
How often should you get automobile insurance quotes?
Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heartedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.
Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.
To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.
Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.