Five Insurance Los Angeles Mistakes That Cost Drivers Money
Every driver needs insurance. It is required by law. Even more important, this auto coverage protects both the vehicle and the driver. When comprehensive and collision coverage is carried, the vehicle is repaired or replaced if it is damaged. Liability insurance protects the driver from expensive lawsuits of $30,000, $50,000, $100,000 or even more up to the limits of liability insurance. There are ways to reduce insurance premiums. Most drivers, though, make five insurance Los Angeles mistakes and pay hundreds of extra dollars every year in insurance premiums. These mistakes are not taking traffic tickets seriously, not combining insurance policies, not shopping for insurance, buying hot, sporty cars and not asking insurance companies for a list of discounts offered. Taking advantage of these five items reduces insurance costs and makes driving more fun.
Traffic tickets of any kind are expensive and increased insurance costs. The average cost of a traffic ticket in the United States is $150. This mark on the driver's record increases insurance costs $900 over three years on the average, which is $300 a year. California offers first-time offenders a chance to attend traffic school and keep the offense off the driving record. The cost of the traffic school will be paid for many times with reduced insurance premiums.
Smart drivers combining insurance policies reduce the cost of insurance on both. Insurance companies know they have reduced their risk when they insure two different automobiles or a home and automobile for the same driver. This discount can be as much is 10% or 20% and provide the added benefit of only having to deal with one payment and one insurance company.
People who shop find bargains and save money. The same is true with automobile insurance Los Angeles. Insurance companies are looking for new customers and rewarding them with lower insurance premiums. These companies advertise in newspapers, on radio and television and on the Internet and may offer an additional discount if new customers purchase insurance online.
Expensive cars and sporty cars with high performance motors are more expensive to repair and insure. Sedans with smaller motors get the best rates from insurance companies. A quick way to tell if that automobile is going to be expensive to insure is to remember this slogan: if James Bond would drive it, the customer does not want to insure it.
Insurance companies always want new business and to get that business they offer discounts. Asking each insurance company for a list of discounts they offer allows drivers to reduce insurance premiums and make plans to be eligible for more discounts next year. Common discounts include good driver discounts with no accidents, claims or tickets for three years or longer, credit for defensive driving course, standard safety features on the automobile and automobile security features discouraging car thieves.
Since people need to have insurance Los Angeles on all the automobiles they own and drive, smart drivers maximize their money by finding ways to reduce insurance premiums. This is easy if the driver avoids the five most common mistakes and obeys traffic laws, combines insurance policies, shops to find the least expensive insurance, drives a sedan and get all the discounts he or she qualifies for. The money saved can be used for an exciting road trip or to buy a security system for that valued and pampered set of wheels always ready for the next adventure.
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