Best Auto Insurance Quote Los Angeles – Compare Lowest Rates in LA

The Lowest Car Insurance Quotes in Los Angeles

Savings of $10,000 for Some Drivers

According to recent auto insurance quote surveys, California and Los Angeles are one of the highest cost zones for car insurance coverage.  And that’s not just luxury car insurance.

The nature of LA itself where population density, road congestion, and time pressures make for higher than average risk of accidents and claims. But when driver’s automatically and blindly succumb to the belief that everyone has to pay higher auto insurance, they’re going to lose their money.




Whatever area of Los Angeles you live in, having some perseverance in your auto insurance search will pay off. It’s not that insurance company quotes are high and intentionally designed cheat you, it’s that you, your family, and friends don’t try to get the best rates.

And if your family and friends aren’t searching, send them to this post on saving on car insurance.  That’s what this post is about, saving mone on auto insurance in Los Angeles County. By searching, you’re making it less likely you’ll get cheated on car insurance quotes.




caranddriverhonda
Photo Courtesy of Caranddrivercom – New Car Reviews

If you do a search for car insurance rates on a comparison site or an Los Angeles broker’s website, you’ll see how the yearly auto policy rates can vary more than $2000!  How long does it take you to earn $2000?

Quest for the Lowest Auto Rate

Google search should always be the starting point of any product or service search.  For auto insurance, homes for sale, finding a realtor, finding a mortgage agent, car loan, or home reno contractors in Los Angeles, Google should be bookmarked.

Through Google and the advertisements on this post, you’ll find a number of insurance companies and brokers. The more you check out, the bigger your savings. Don’t give all your money to the big insurance companies. Vary how you search so you don’t get railroaded by online marketing strategists either.

Believe me, I know how they trick you into obsessing about an unimportant issue or your zip code or something else that distracts you from searching for what you want — low auto insurance rates in Los Angeles.

From most insurance providers in Los Angeles, car insurance is a commodity so why should you pay more than you have to?  Learn more about saving on car insurance here.

Find the lowest insurance rates in your city: LA auto insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego boat insurance, Seattle truck insurance, New York car insurance, Indianapolis SUV insurance, Detroit SUV insurance, Indianapolis Car Insurance Quote onlineToronto car insurance quote, or Chicago car insurance.

Searching for Car Insurance Quotes

Insurance rate quotes vary by zip code, age, gender, type of vehicle, and driving records of course.  Read my previous post about how vehicle choice affects auto insurance rates.

My Car Insurance Quote

This car insurance quote comparison chart below is a perfect example of the range of premiums and yearly costs.  There’s a big difference.

car insurance quote
Rate Comparison Chart courtesy of Insurance Hotline

Why does it pay to Shop Around for Insurance Coverage?

The status quo hurts. Your current auto insurance company in LA isn’t going to lower your rates or keep you up do date on savings. They make more money by keeping quiet.  As you can see in the above graphic, insurance company rate quotes vary significantly and they’re not going to tell you why. That’s their right. All you can do is shop around for lower car insurance rates in LA specifically, and avoid these nasty realities:

  1. your current insurance provider keeps raising your rates and you’ve done nothing wrong
  2. some auto insurance companies actually use FICO insurance credit scores to raise your premiums even though your credit score has nothing to do with your driving record or risk
  3. uninsured or young drivers living in your home – they feel their presence and possibility of driving your car or truck is a big liability
  4. your type of vehicle may be deemed more risk to them (ISO’s Vehicle Series Rating) because it’s more expensive to repair in your area
  5. your zip code is considered more high risk by many insurers even though you live on the edge of the zip code
  6. they assess the risk of your specific moving violations and total violations differently
  7. some insurance underwriters believe that you’re male so you’re guilty before you put the key in the ignition
  8. your insurance company may not lower your rates even though you’re now 10 to 15 years older and deserve a better rate because of your lower risk and better driving record
  9. you may have forgotten to tell them that your situation has changed, your commute has shortened, and children have left home.

The fastest way to eliminate these car insurance problems is to search for alternate providers because your current provider has no incentive to cut your auto insurance premiums. Chances are high that you’ll just stick with them.




Los Angeles Auto Insurance Agents

Northstate Auto Insurance Services Inc
455 W Florence Ave,
Los Angeles, CA 90003, USA
323-751-9800

Fiesta Auto Insurance Agency
Address: 611 E Imperial Hwy #102,
Los Angeles, CA 90059, United States
323-776-1096

Cost-U-Less Insurance Center
4301 South Figueroa Street,
Los Angeles, CA 90037, United States
323-345-6347

Shop around for the cheapest car insurance rates online.  Rates vary in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Chula Vista, Escondido, or Santa Monica.




Car Insurance in Los Angeles County California

Serving the communities of Anaheim, Beverly Hills, Malibu, San Bernardino, Riverside, Long Beach, Santa Ana, Lakewood, Glendale, Simi Valley, Torra, Chino, El Monte, Huntington Beach, Fullerton, Pasadena, Torrance, Irvince, Thousand Oaks, Pomon, Ontario, Downey, Yorba Linda, Lakewood, and Downtown LA.

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Home Sellers Pricing Guide – Getting A Better Sales Price is All About Strategy

How Sell Your Home for the Best Price in 2018

The market is heating up and like so many homeowners, you’re wondering if this is the right time to sell? And what will your home sell for in 2018?

The latest MLS sales reports show that most listings in the hot Toronto, Vancouver, Los Angeles, San Francisco, San Diego, Houston, Seattle, and Miami regions for instance, tend to sell over asking price. That means the seller got more than they were asking for. That’s a nice bonus that actually vaporizes the cost of selling of your home. You get your cake and you get to eat it too.

On the other hand, you could end up selling too late, as you’ll note in the Calgary Housing Forecast.

Have Your Cake and Eat it Too!
Selling at 3% to 10% above asking price tastes this good!

We’ve seen years of homeowners all playing the waiting game, hoping for the market to fully ripen before they harvest. It looks like the fall harvest has arrived. But will sellers get what they’re asking for or more? Will they be too late?

How to Get the Best Price for Your Home?

For those of you in hot markets, the price you ask for is just a starting point on the way to the price you’ll ultimately receive. The key to maximizing the return on your real estate investment is in how your Realtor conducts marketing for your property — not in high pressure negotiation which brings smaller gains.




It’s important to know what to look for in a good Realtor so you don’t get unpleasant surprises and have to work with a poorly qualified buyer.  Big sales prices come out of strategy and targetting well qualified buyers – not last minute tactics.

The Market Changes Month to Month

Right now you may not get the all-cash offer from a wealthy buyer. Instead you may have to sell to someone who saw your mls listing, or who is financing the purchase, or who is buying conditionally. When you cancel out all the “on the edge” tire kicker type buyers, you’re left with a small number of well qualified prospects. These are the ones you want to market to strategically, and whom your Realtor should have fixed on his/her radar.

What does a thorough, effective Realtor Marketing Service Package Look Like? Definitely take a look.

Home Pricing Tips to Help You Get Your Price

Home Pricing Tip #1

Sell at a lower price than you want to.  If you price high, few will be interested. If you price low, you’ll get a herd of tire kickers and your real buyers will be more motivated to get an offer in. It’s a common practice and in this era, it’s a fool proof approach. In fact, the bidding war news stories you’ve heard about likely were priced low.

Home Pricing Tip #2

Have Your Realtor do a Foolproof Market Evaluation. Your Realtor’s free market evaluation will generate a price, but it won’t always get the comps right.  Your Realtor will look for similar homes and it’s important to know why they sold for the price they did. Your Realtor likely knows what’s happened and will be ready to utilize that knowledge.

Home Pricing Tip #3

Set the asking price just below a round number.  Sell at $105 lower than a major number. If your house could sell for $1 million, don’t just price it at $999,995.00 Everyone is familiar with that pricing trick. Instead, take the third last number down by $5. So your new price would be $999,895.00 Psychologically, that 8 stands out. It looks like a nice discount when in fact, it’s only $105.

“Our study suggests that by using the just below pricing strategy sellers can price their home slightly higher without driving away potential buyers,” says Eli Beracha, author of a study published in the Journal of Housing Research. “As a result, they end up selling their house for more.” The study revealed a 2.5 to 3% increase in sold price.

Home Pricing Tip #4

Many homebuyers look for homes for sale in a certain price range that varies from city to city. In Toronto where the average price of a single detached home might be $1.4 million, a home priced just below $1 million is going to be found by more home searchers. Your first goal is maximimum visibility since you’re likely to get a better offer from 100 people than you are from only 15 people.

Home Pricing Tip #5

Create a home marketing plan and a home pricing contingency plan with your Realtor or a marketer before you put it up for sale. You want a marketing campaign that’s going to ensure 100%, that you get maximum exposure and the very best price. Better safe than sorry! If you price low and your Realtor relies only on the MLS and his own small circle of buyers, you could be in for disappointing bids.




Home Pricing Tip #6

Definitely go for a bidding war. Ensure your home’s most salient features, the ones buyers drool over, are clearly explained and shown in photos and video. Ensure your Realtor has good exposure online, has a great website, is advertising, and looks like they’ve got their stuff together. Everyone’s should know you’re selling your house in this market of desperate buyers.

Home Pricing Tip #7

Use hi definition photography, video and 3D home tours. People look online, and the impact you make is key to getting call from prospective buyers. Some videos are spectacular and the cost might be very reasonable. Seeing is believing and when you’re transparent, the buyers know they’re not wasting their time. Their time is just as valuable as yours.

Home Pricing Tip #8

Listen to your Realtor’s pricing strategy. If they’re experienced, they know how the selling game is played. All Realtors say they can close any prospect, but it’s just not true. They should be able to explain the jist of how to get the home priced right and how to negotiate with buyers.

Home Pricing Tip #9

Have your home professionally staged. Get your stuff out of there and let them bring in the furniture and dressings to appeal to the targeted buyer. It’s another cost, but if your marketing and pricing plan is good, you’ll easily recover that money.

Home Pricing Tip #10

Time your open houses well and advertise heavily during that time. There will be buyers driving around and they may be using a variety of house hunting apps on their smartphone. Buyers are desperate and thorough these days. Don’t rely on the MLS listings only.

Home Pricing Tip #11

Ensure your listing is well advertised and that your open house is visible via Google. If you know of a real estate blog that is high trafficked, advertise on it, or better yet ensure your open house listing page is indexed in Google and optimized for “open houses + city name, or neighborhood”




Home Pricing Tip #12

In your marketing, ensure you’re not just selling a house – a big box made of wood and cement. You need to evoke the buyer’s dreams because a home is all about dreams. Dreams are why some buyers will pay $1 million over asking.

Home Pricing Studies and Resources:

http://www.builderonline.com/money/prices/left-digit-in-sale-price-affects-home-buyers-most_o

http://realtormag.realtor.org/daily-news/2016/08/12/study-reveals-best-real-estate-pricing-strategy

“http://globalnews.ca/news/3162259/toronto-house-sells-for-more-than-1m-over-asking-amid-record-year-for-home-sales/”

“http://www.theglobeandmail.com/real-estate/mortgages-and-rates/top-10-ways-to-win-a-real-estate-bidding-war/article4559578/?page=all”

Lowest Auto Insurance Coverage in a City Near You

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