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Los Alamitos Car Insurance

Los Alamitos car insurance can cost drivers upwards of $450 per year for basic coverage with most drivers paying around $775 per year for their annual premium[1]. If you are paying more than this or if you are unhappy with your premium then it might be time to shop around and find a new provider. There are several different way to get the best price on your Los Alamitos vehicle insurance. A few simple steps can end up saving you several hundreds of dollars each year on your coverage.

Finding Cheap Car Insurance

If you are looking into a new car, make sure you also look into insurance costs. Over the course of your new vehicle's life, you could be forking out several thousands of dollars in insurance. Check with the Insurance Institute of Highway Safety to see a list of the current Top Safety Picks of vehicles. In general, the safer the car, the better the Los Alamitos, California car coverage prices will be. Other factors that impact the rates include collision and theft ratings as well the repair and replacement costs.

Another way to get cheaper Los Alamitos car insurance is to ask for a higher deductible. The deductible is the amount you pay only if you need to make a claim so as long as you remain accident free, you will benefit from this little trick. In fact, choosing a deductible as high as $1,000 can save you up to 40 percent on your premium; however, keep in mind that you will need to pay this amount if you need to make a claim so choose a deductible that you can afford.

It is not recommended to reduce the amount of coverage but this is another way you will save on your Los Alamitos car insurance. California residents, whether living in Los Alamitos or Los Angeles, need to purchase liability coverage; full coverage, however, is optional for Los Alamitos, California drivers. Find out how much your car is worth and if it is worth less than 10 times the premium (typically around $3,000 or less), then you may be better off skipping full Los Alamitos car insurance and sticking to basic coverage only. For most drivers in Los Alamitos, CA however, this is a very risky way to save a few bucks and not worth it in the long run.

Getting Policy Discounts

Policy discounts on Los Alamitos automobile insurance are also important to consider when looking to lower your annual premium. There are several different discounts available from certain providers. Some of the most common ones include a low mileage discount (if you drive less than 10,000 miles a year), mature driver discounts (if you are over the age of 55) and multiple policy discount (if you bundle your vehicle insurance with other levels of coverage for your home, your contents, your boat, your pet, your life, etc). These discounts are usually offered through several different providers. While they may have different names, they can end up saving you anywhere from 5 to 25 percent on your annual coverage.

Every provider is different which means you could be eligible for other discounts and not even realize it. Some providers will reward long term customers with a loyalty discount while others will offer a discount to student drivers that keep up a 3.0 GPA or higher. You could qualify for a vehicle insurance discount if you install anti theft devices into your car, if you complete a driver's education course, if you maintain an excellent credit record, if you need to insure more than one car with the same provider or if you drive a fuel efficient or hybrid vehicle.

Los Alamitos Auto Insurance Quotes

Maintaining your driving record and your credit report are two other great ways to save when insuring a vehicle in Los Alamitos, CA. Providers rely heavily on your credit score as well as your driver history to determine your rates. Keeping your credit score reasonably high proves that you are responsible with your finances and thus also more responsible on the road. Keeping your driver history free and clear of car accidents, traffic violations and other red ticks demonstrates your low risk level. You can start working towards a better record today. Every year you remain claim free you are one year closer to a better price when insuring a car in Los Alamitos, CA. After three years, you could qualify for a discount because of it.

Perhaps the easiest way to get the cheapest Los Alamitos car insurance is to compare your options before you buy. When you shop around and do a little research you are giving yourself the best opportunity to sample everything out there. Find the cheapest deal on your Los Alamitos, California car insurance by comparing your options first.

[1] [1] http://www.iii.org/facts_statistics/auto-insurance.html 04/21/2011

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