Los Angeles Auto Insurance Rates
Los Angeles, located in the state of California, is one of the world’s most populous metropolitan areas. It is also home to many movie and music production companies, Hollywood and the annual Academy Awards. The city is known for its food, beaches and notoriously crowded freeways. Los Angeles is an exciting city to visit, and many drivers find themselves in the city. Drivers in LA may need additional information about local traffic laws. For Los Angeles residents, it is important to know both the laws as well as the car insurance requirements for the state.
Looking to learn more about traffic regulations, cheap auto insurance in Los Angeles and how to acquire it? Read on for information about car insurance, driving conditions, unique laws, statistics and safety requirements in Los Angeles.
Car Insurance in Los Angeles
For car insurance, Los Angeles requires the same coverage as the state of California. In California, the minimum coverage for car insurance and liability insurance includes $15,000 for injury/death to one person, $30,000 for injury/death to more than one person and $5,000 for damage to property. There are many factors that can affect rates for car insurance. Los Angeles is no exception. Luckily, at Cheap Car Insurance, we will do the work to find you cheap auto insurance, Los Angeles specific, that meets these requirements and lets you pay the lowest rates possible.
Let us help take the leg-work out of shopping for car insurance companies. Los Angeles has many excellent options, and we will help you find the best car insurance Los Angeles has to offer. Let us compare cheap car insurance quotes for you now!
How Much Does Car Insurance Cost in Los Angeles?
If you live in Los Angeles, the amount you pay for car insurance will vary. Here is a chart to give you an idea of how much it should cost for a car insurance policy by vehicle type and the county you reside in California:
|Costs by County:||Sedan:||SUV:||Coupe:||Truck:||Hybrid:|
|San Luis Obispo||$880||$764||$934||$834||$822|
Driving Conditions in Los Angeles
The California Department of Transportation recommends that drivers call the Caltrans Highway Information Network at (800)427-7623 for current closures and traffic announcements. Since the city has so much traffic on both surface streets and freeways, construction is frequently performed. There are also daily accidents, which cause traffic delays. Due to the large amount of traffic and drivers on the roads, speeding is enforced by radar and occasionally by aircraft.While the average Los Angeles weather Los Angeles rarely sees rain, the roads are slick and can be hazardous when it does rain.
With a large amount of traffic, Los Angeles has many daily accidents that are part of the driving conditions in the city. Local drivers in Los Angeles are required to have car insurance but would also benefit from appropriate liability coverage with the high amount of car accidents. Especially when the accident is the driver’s fault, it is important to have liability insurance to cover any damage caused by your car.
Nobody wants to be in an accident with an uninsured driver because it can be hard to pay for damages without another insurance company paying in. By having the required coverage, you can ensure that you are not the uninsured driver. You can also find insurance rates that can help cover damage if the other driver in the accident is uninsured. At Cheap Car Insurance, we can help you find the best coverage and car insurance Los Angeles has.
Unique Laws In Los Angeles
Concordia University at Irvine published a short list of some of the details about strange traffic-related laws in Los Angeles County. In Arcadia, peacocks always have the right of way on any street or driveway. Cars may not be left on the street overnight in Alhambra without a permit, and it is illegal to wash a car in the street in Downey. In the city of Los Angeles, it is illegal to wash a neighbor’s car without his or her permission. It’s also against the law to toss a Frisbee on a beach without permission from a lifeguard.
Los Angeles Crime Statistics
According to statistics from the Los Angeles Sheriff’s Department, there were 10,754 incidents of grand theft auto in 2012. In 2011, there were 86,330 property crimes reported in Los Angeles. Of the 29,354 auto accidents resulting in injuries or fatalities, 2,247 were alcohol related.
In 2015, according to the FBI, 16,152 vehicles were reported stolen in Los Angeles. In addition, 93,503 property crimes were reported that year.
The possibility of having your vehicle stolen is real, so it can be wise to cover theft with your cheap auto insurance. Los Angeles has many options for rates that cover vehicle theft. Comprehensive vehicle theft insurance covers the actual value of your vehicle should your vehicle be stolen or damaged during a break-in. Because there is a waiting period during which your car could possibly be found, it will typically take at least 30 days to receive payment for your vehicle. Many stolen vehicles are recovered, but in the case that it is not recovered, having coverage will help you move forward.
It is important to remember that liability and collision insurance will not cover vehicle theft. Contact Cheap Car Insurance for quotes on theft insurance for your vehicle, and we can help you find the cheapest options.
Los Angeles Safety Requirements
Seat Belt Law
With millions of drivers sharing its roads, Los Angeles has several strict safety regulations in place. According to the California Office of Traffic Safety, the “Click It Or Ticket” program ensures drivers they will receive a ticket if they or their passengers do not wear safety belts.
Children under age 2 must ride facing the rear of a vehicle in an appropriate child passenger safety seat, according to the California Highway Patrol. Children weighing at least 40 pounds or standing at least 40 inches tall are exempt. Children under age 8 must be properly restrained in an appropriate child safety seat in the back seat of a vehicle.
Motorists can’t hold a wireless telephone or electronic wireless communication device while driving a vehicle, the California Highway Patrol says; however, hands-free use is allowed. Instead of a device being held, it must be mounted in the 7-inch square in the lower corner of the windshield farthest removed from the driver or in a 5-inch square in the lower corner of the windshield nearest to the driver. Another option is to attach the device to the dashboard where it does not block the driver’s view of the road and does not hinder airbag deployment.
Anyone under age 18 must wear a helmet when riding a bicycle on a street, bikeway or public bike path or trail. Helmet use also is mandated for anyone under 18 who’s riding a scooter or skateboard, or using inline skates.
Impaired Driving Law
For drivers over age 21, the blood alcohol limit for DUI is 0.08 percent. A first-time DUI conviction can lead to having to pay a $1,000 fine, plus more than $2,600 in penalty assessments; a six-months jail sentence; a six-month license suspension; a 30-day vehicle impoundment; and installation of an interlock breath device in the driver’s vehicle.
Under California law, authorities have “zero tolerance” for anyone under 21 who’s been caught driving under the influence. The state Department of Motor Vehicles automatically suspends or revokes the driving privileges of a driver under 21 who was busted for DUI (alcohol or a combination of alcohol and drugs) who had a blood alcohol level of at least 0.01 percent or refused to take a blood alcohol screening or test.
Cheap Auto Insurance in Los Angeles
Having auto insurance is not only helpful but also required by law in Los Angeles. For a free LA car insurance quote and to see comparable coverage rates, fill out the form on this page. We will help you find the cheapest car insurance Los Angeles quotes with only your zip code. At Cheap Car Insurance, we work hard to help you find and compare the insurance services you need.
We can help you find what the average car insurance rates are and the cheapest car insurance, compared to all the coverage options in Los Angeles. At Cheap Car Insurance, we understand how car insurance can be difficult financially and we want to find you cheap rates that provide the coverage details you need. That’s our business.
Our cheap auto insurance Los Angeles quotes will help you find the cheapest car insurance in the city, with little work on your part. Contact us today to receive auto insurance quotes. Los Angeles, CA will never be more beautiful than with cheap car insurance.