Los Angeles auto insurance is not much different from many other cities, though some of its regulatory practices and requirements have left a lot of unanswered questions at times.
Much of the rates in Los Angeles have been in check because of a 2 decade old Proposition 103 initiative. To much of California residents joy, the rates have been in check because of changes that people have made, such as car preference etc.
Proposition 103, of course, regulates the Los Angeles auto insurance industry, making sure that any required rate increases be put before the public prior to adoption by the auto insurance industry. It further requires, among other things that personal automobile insurance rates will be determined using the insured's number of miles driven annually, their driving safety record, and even the number of years of driving experience the insured may have had, among other criteria.
Insurance companies are not required to give discounts to the customers, but certain discounts are offered when asked. Good drivers will be rewarded with discounts. Furthermore, if your car has an anti lock brakes, alarm system, or airbags additional discounts will be offered. If you have homeowners insurance or other insurance with the same carrier, you will also received further discounts.
On other hand, if you drive a expensive foreign model car, your premium will be higher. If you have a younger driver under twenty five, your rates will be higher, until they turn twenty six years old. Additionally, if the make and model of car is deemed to have more accidents, like a sports car, your rates will be higher than normal.
There are many discounts available for Los Angeles Auto Insurance, you just have to ask for them. Asking for it is good idea, they will never offer it to you unless you ask.
Much of the rates in Los Angeles have been in check because of a 2 decade old Proposition 103 initiative. To much of California residents joy, the rates have been in check because of changes that people have made, such as car preference etc.
Proposition 103, of course, regulates the Los Angeles auto insurance industry, making sure that any required rate increases be put before the public prior to adoption by the auto insurance industry. It further requires, among other things that personal automobile insurance rates will be determined using the insured's number of miles driven annually, their driving safety record, and even the number of years of driving experience the insured may have had, among other criteria.
Insurance companies are not required to give discounts to the customers, but certain discounts are offered when asked. Good drivers will be rewarded with discounts. Furthermore, if your car has an anti lock brakes, alarm system, or airbags additional discounts will be offered. If you have homeowners insurance or other insurance with the same carrier, you will also received further discounts.
On other hand, if you drive a expensive foreign model car, your premium will be higher. If you have a younger driver under twenty five, your rates will be higher, until they turn twenty six years old. Additionally, if the make and model of car is deemed to have more accidents, like a sports car, your rates will be higher than normal.
There are many discounts available for Los Angeles Auto Insurance, you just have to ask for them. Asking for it is good idea, they will never offer it to you unless you ask.
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