Los Angeles Auto Insurance - How to Get a Cheap Rate
Los Angeles has one of the highest accident rates in the nation. It also has one of the highest percentages of uninsured drivers. Suffice it to say, if you live in L.A. you need auto insurance. Here’s how to get cheap Los Angeles auto insurance.
California Minimum Coverage
In order to drive your car in California the minimum amount of auto insurance the state requires is:
$15,000 bodily injury liability coverage for one person - This coverage pays for medical expenses and lost wages for one person you injure in an accident.
$30,000 bodily injury liability coverage for all persons - This pays for medical expenses and lost wages for all the people you injure in an accident.
$5,000 property damage liability coverage - This pays for repairs the other person’s car plus any personal property you damage in an accident.
These are the minimum amounts of coverage you need, however they don’t cover you or your car. For that you need …
Personal injury protection coverage - This pays your and your passengers medical bills after you’ve had an accident no matter who was at fault. If you already have health insurance you may not need this coverage.
Collision and comprehensive coverage - Collision coverage pays to repair or replace your car after you’ve had an accident. Comprehensive coverage pays to repair or replace your car after it’s been stolen, or damaged by vandalism, fire, or acts of nature.
Neither of these coverages is required, but is recommended due to the high accident and car theft rate in California. You can save money on these coverages by raising your deductible (the money you pay toward a claim before your insurer will pay).
Uninsured/underinsured motorist coverage - This pays for your medical bills if you’re hit by an uninsured, underinsured, or hit-and-run driver. This coverage is highly recommended due to the high number of underinsured and uninsured drivers in California.