Cheap Car Insurance Los Angeles

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cheap car insurance los angelesKnown as the Entertainment Capital of the World, Los Angeles has the highest population of all the cities in California. Located along 75 miles of sunny coastline, the city is a mecca of fine restaurants and museums. Major streets are designed to move large volumes of traffic through many parts of the city and many of them are extremely long. Foothill Boulevard is over 60 miles long, reaching as far east as San Bernardino. Drivers in Los Angeles suffer from one of the worst rush hour periods in the world and also spend an additional 92 hours in traffic each year. During the peak rush hour there is 80% congestion. According to the Los Angeles Police Department, the city is home to 45,000 gang members, organized into 450 gangs. This has led to the city being referred to as the “Gang Capital of America.” All this makes it extremely important to be sure you have the most accident protection you can get. Residents should take the time to explore all the options for cheap car insurance Los Angeles has available.

Required L.A. Insurance Coverage

All California state residents are legally required to carry basic liability insurance the following limits:

  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident
  • $5,000 of property damage liability per incident

In some cases, you may want to get even higher coverage, depending on where you live. If you live in a city like Los Angeles, it is a good idea to get as much coverage as you can afford. In big cities the odds are higher you will be involved in an accident at some point, and having the right insurance can give you peace of mind when you are on the road.

Optional L.A Coverage

Additional financial protection for you, your passengers, and your ride is a good idea in a big city. Especially since there is a high rate of uninsured motorists in California. Don’t count on someone else’s insurance to cover what is important to you.

  • Comprehensive
  • Towing and labor
  • Collision
  • Rental reimbursement
  • Uninsured motorist bodily injury

Alternate L.A. Transportation

The LA County Metropolitan Transportation Authority and other agencies operate an extensive system of bus lines, as well as subway and light rail lines across Los Angeles County, with a combined monthly ridership of more than 38.8 million. The city’s bus system is the second busiest in the country. The city is also central to the commuter rail system Metrolink, which links Los Angeles to all neighboring counties as well as many suburbs.

Los Angeles is a great city to live in, or visit. If you plan to do either one, give yourself added peace of mind by making sure you have the best cheap car insurance Los Angeles can offer.