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Los Angeles is one of the most famous cities in the world, and the second-largest city in the nation. Known for its high cost of living, L.A. residents are encouraged to compare all the options for cheap car insurance that Los Angeles has to offer.

The best way to save money is to get new quotes at least twice a year. Insurance premiums are constantly under revision as companies compete for business.

California requires two kinds of liability insurance: bodily injury liability ($15,000 per person/$30,000 per accident) and property damage liability ($5,000 per accident). This basic coverage pays for damage you cause, but not damage to your own car. And what happens if you are hit by an uninsured driver?

Recommended Additional Coverage:

Almost 25% of drivers in the state don’t have insurance, making Uninsured Motorist Coverage a good choice. Most insurance professionals agree that California’s basic coverage isn’t adequate. The rising cost of automobiles, body-shop repair, and health care means you should carry more than basic insurance.

Here are some other options to consider:

  • Property damage liability. You can increase your limits up to $500,000.  Covers damage you cause to a vehicle or property.
  • Bodily injury liability. Can be as high as $1 million. Covers medical costs for injured passengers or drivers when you are at-fault in an accident.
  • Medical Payments. Sometimes known as Personal Injury Protection. Covers out-of-pocket medical expenses, including health care deductibles, co-payments, and drug prescriptions.
  • Collision coverage. Part of what is commonly referred to as “full coverage.” Covers damage to your vehicle resulting from a collision regardless of fault.
  • Uninsured Motorist Liability. Covers your injuries when the at-fault driver doesn’t have insurance, or has inadequate coverage. (As many as 23% of California drivers are without insurance)
  • Uninsured Motorist Property Damage. Either waives your deductible, or pays up to $3,500 to cover damage to your car if you are hit by someone without insurance.
  • Comprehensive coverage. Covers damage to your vehicle regardless of the cause (may include floods, weather, animals) as well as theft, vandalism, glass breakage, etc.
  • Rental reimbursement. Pays for the cost of a rental vehicle while your car is being repaired or replaced.
  • Towing coverage. Reimburses you for any towing expenses related to an accident (sometimes extends to mechanical disablement as well).

Driving in Los Angeles

Studies have shown that the average L.A. driver spends a total of 4 days in traffic every year. With 7.2 million commuters on the freeways each day, the chances of being involved in a crash increase a great deal. Before you head out, check with SigAlert’s online traffic map. so you can plan your route around potential delays.

Los Angeles Public Transportation

Los Angeles’ public transportation system is run by Metro. The system includes a light-rail, a large bus network, and a subway. The network sees over 350,000 riders a week, and it is the third-largest public transport system in the nation. Using public transportation will help keep your annual mileage low, and car insurance companies will usually lower your rates accordingly.