Attention Los Angeles: You can get better car insurance rates in 2015

Attention Los Angeles: You can get better car insurance rates in 2015

Happy New Year, Los Angeles! We’ve said goodbye to 2014 and a big hello to 2015. Now is the time to consider different ways that can help you to stay within your budget and even save some money. One option is to take a look at the 2015 rates for car insurance in California. Whether you’re thinking about buying a new vehicle or are looking for insurance savings on your present car, now may be the time to re-evaluate your insurance rates.

Effective as of January 1st, 2015, new laws in California mean that more individuals qualify for California’s Low Cost Auto Insurance ( CLCA). The CLCA programs helps drivers that meet the income requirements find affordable auto insurance in order to meet the state’s financial responsibility laws. In order to be eligible for this program, you must meet the following requirements:

  • have a valid California driver’s license
  • own a vehicle valued at $25,000 or less
  • be at least 19 years of age
  • meet income eligibility guideline established by the state of California

You can purchase a program policy through a licensed insurance company such as Daniel Fraisse Insurance. Dan is an independent insurance broker and agent whose top priority is client satisfaction. Dan works with all of the major insurance companies to find you the best insurance package to fit your insurance needs as well as your budget. Dan Fraisse has worked in the insurance business for decades and has built up a reputation among his clients for providing excellent customer service.

Let’s learn about your driving history

Your driving history tells prospective insurers a lot about you. Your driving history plays a major role in how your risk is viewed and, therefore, has an effect on how companies calculate your premiums. Insurance companies look at traffic violations, specifically moving violations such as speeding, the number of accidents that you have been involved in, and convictions for DUI/DWI as part of your driving history. Some states use a point system for tickets and moving violations which also can result in higher premium costs.

To keep from paying higher insurance rates, you can do the following:

  • attend a defensive driving course that is certified by your state’s DMV agency
  • maintain an accident and violation-free driving record for a certain number of years
  • wait to shop for lower rates until the points on your driving record are reduced or expired

Getting your lower rate

At Daniel Fraisse Insurance, Dan and his knowledgeable staff are always available to provide you with the best possible coverage at rates that you can’t beat. Dan works for you, not for the insurance companies, so is never compromised when in comes to selecting the right insurance policy for you.

If you want to start out the new year by paying less per month for great claim coverage , call Daniel Fraisse Insurance to speak to a member of Dan’s friendly staff.