Lionel Sandoval is a premier Harbor City, CA car insurance company. For years, our locally owned and operated agency has been protecting the drivers of Los Angeles County. As a full-service company, we offer all types of commercial and personal policies, including liability, collision, comprehensive, uninsured and underinsured motorist, and more! Not only do we offer the most comprehensive coverage, but we also offer fair and affordable rates. To secure your peace of mind when you’re on the road, make sure you get in touch with the best car insurance company in California: Lionel Sandoval!
How to Get the Best Car Insurance Rates in Los Angeles County
Whether you’re about to buy a new car, you’re newly licensed, or you’ve been driving for a long time, you want to make sure that you get the best car insurance rates possible. Though you don’t want to spend more than you need to, you definitely want to be sure that you, your passengers, other motorists, and your vehicle are all well-protected.
Trying to figure out how to get the best car insurance rates can seem like a daunting process. There are so many Harbor City, CA car insurance agencies, and they all want your business. A quick search for “car insurance near me” will reveal what seems like an endless assortment of companies that offer a wide assortment of policies. While having a lot of options to choose from is certainly a good thing, too many options can make comparing policies and figuring out which company offers the best car insurance rates seem impossible.
To help make the process less daunting and more successful, here are some handy tips that you can use to secure the best car insurance rates and coverage in Los Angeles County.
Go Basic With Older Cars
If your car is older and you own it outright (it isn’t financed or leased), think about going basic with your car insurance. In other words, steer away from collision and comprehensive and instead, stick with basic liability coverage (and maybe underinsured/uninsured motorist coverage). Collision insurance covers the costs of repairing your vehicle if it’s damaged by another car or an object (a fence or a pole, for example), and comprehensive insurance pays for repairs that are associated with incidents that are out of your control (storm-related and animal-related damages, fallen objects, theft, fires, and vandalism, for instance).
In California, collision and comprehensive coverage are optional, but if your vehicle is financed (you took out a loan or you lease it), as mentioned, your lender may require you to carry it. If you own it outright, however, and it’s older, while these two additional forms of coverage may seem worthwhile, if you’re looking to keep your costs down, skipping collision and comprehensive coverage may be a better choice. Why? Because the value of your car will likely be less than the amount you’ll spend on these two types of insurance. If you don’t need it, nixing comprehensive and collision insurance can help you save a bundle.
Increase Your Deductible
If you need or decide to carry collision and/or comprehensive coverage, or any other type of coverage, consider increasing your deductible to get a lower rate on your car insurance. A deductible is the amount you’ll have to pay before your insurance policy pays out any damages (liability policies, which cover third-party damages and injuries if you’re responsible for an accident, don’t have deductibles). For example, if you’re involved in a collision that causes $1,000 in damages to your vehicle and you have a $200 deductible, you’ll need to pay $200 before your Harbor City, CA kicks in and pays for the remaining $1,800.
Typically, the higher the deductible, the lower the premium, and the lower the premium, the less you’ll have to pay for your coverage each month. Therefore, if you’re trying to get the best car insurance rate possible, increasing your deductible may be an option worth considering. Do note, however, that you should avoid making your deductible so high that you’ll have to pay an astronomical amount before your insurance kicks in.
Don’t just go with the first Harbor City, CA car insurance company you find. If you want to get the best car insurance rate possible, you should definitely shop around. Every car insurance agency charges a different rate, and each one is vying for your business. By shopping around, you’ll not only have the opportunity to compare rates, but you’ll also have bargaining power that you may be able to use to get a lower rate.
Don’t Look Over Local Harbor City, CA Car Insurance Companies
A lot of drivers will only consider big-name auto insurers, but that’s a big mistake; especially if you want to get the best car insurance rate. Often, smaller agencies not only offer lower prices, but they also provide better coverage and more comprehensive, personalized services. Why? Because in order to secure your business, an agent from a smaller insurer that services the local Los Angeles County region will be much more likely to do whatever they can to get you a lower rate than a big, national company. Plus, with a smaller agency, you’ll be treated like a person and not just another number.
Inquire About Discounts
When you’re shopping around, don’t forget to ask about discounts. Harbor City, CA car insurance companies do offer discounts, and those discounts can translate into much lower rates for you; however, they may not willingly offer that information, so make sure you ask. Examples of some of the different types of discounts you may be able to take advantage of to get the best car insurance rates include:
Look Into a Usage-Based Policy
If you don’t drive a lot and you have a good driving record, consider a policy under a usage-based program; Allstate’s Drivewise program, for example. With these types of programs, the insurance company will keep tabs on your driving and may be able to offer you discounted rates depending on when, where, how often, and how well you drive.
For the Best Car Insurance in Los Angeles County, Contact Lionel Sandoval!
If you’re looking for the best car insurance rates and coverage in Los Angeles County, you’re definitely going to want to include Lionel Sandoval on the list of companies you contact. With years of experience and a proven track record of excellence, our locally owned and operated agency protects countless drivers throughout Harbor City, CA, and we would love to do the same for you! To speak with an agent, call 323-285-2442 today!