Los Angeles Auto Insurance

At Last a Los Angeles Auto Insurance Agency that Understands Driving in Southern California

Imagine any type of vehicle, and you will see someone in Los Angeles driving it. You can stand at the Junction of Venice Blvd and the Santa Monica Freeway and see electric cars, hybrid cars, low-riders, antique cars, Rolls Royces and chauffeured limousines all in less than 5 minutes. Los Angeles is a car culture and Bromberg Insurance Services is your premier Los Angeles auto insurance provider.

With 47 years of experience protecting vehicles in Southern California, we understand cars and the need to protect your auto investment. However, auto insurance is not just about protecting your car; it is about protecting your family, your finances and the community. Every state, including California, requires car owners to carry a minimum amount of liability insurance, and at Bromberg Insurance Agency, we know the minimum is usually not enough.

How Much Auto Insurance Do I Need in Los Angeles

The state of California requires that all vehicles operated in the state have evidence of financial responsibility in the event of damage or injury caused by a collision, regardless of which driver or vehicle is at fault. However, the minimums set by the state are extremely low and may not cover the cost of any damages, injuries, or disabilities, and this could result in a catastrophic financial loss to you or your business.

Bromberg Insurance Services agrees with the Insurance Information Institute and recommends $100,000 bodily injury protection per person, and $300,000 per accident as a bare minimum. Car owners with a higher net worth (usually above $300,000) should also consider an additional form of liability coverage to protect financial assets against litigation that may result from an accident.

It is important to note that the law does not cover other types of insurance. Liability coverage does not repair damage to your car, protect against theft or repair broken glass. Use the quote form to find out what the basic needs for your particular situation are today.

What Determines the Price of Auto Insurance in Los Angeles

Perhaps the two most important factors in determining auto insurance rates are your driving record and your age. Accidents, serious traffic violations and the types of claims you have made in the past, all contribute to the cost of your premiums. If you have a clean driving record and have maintained insurance coverage, you are likely to enjoy a lower cost for your insurance. Experienced drivers tend to have fewer accidents than less experienced, younger drivers.

Drivers under the age of 25 are usually considered inexperienced and will have a higher premium regardless of their driving record. In an effort to reduce the higher rates for young drivers, we offer discounts to trained drivers and good students.

The more miles you drive each day, and each year, increases the chances of you being involved in an accident. This means that if you drive fewer miles than the average driver you may have a lower premium. You may also receive certain discounts for participating in a carpool with other drivers.

Los Angeles auto insurance rates are also affected by where you live in the city. Insurance carriers evaluate the cost and number of accidents for specific areas in order to determine rates. They also take the number of thefts, lawsuits and the cost of repairs into consideration when fine tuning premiums.

The car you drive and the amount of coverage you need and want can have a significant effect on your premiums. It may cost more to repair some vehicles than it does to repair others. Also, some types of cars are targeted for theft more often than others, and the overall safety record of a particular model car plays a role in determining the premium cost as well.

Types of Los Angeles Auto Insurance Coverage Available

Liability— Also means Bodily Injury and Property Damage Liability to meet the minimum state requirements and also to provide you with protection against a financial loss.

Uninsured/Under Insured Motorist— Covers you and your family in the event other drivers are not properly insured.

Comprehensive— This type of insurance covers your car in the event of damage caused by reasons other than a collision. Hail, fire, theft, vandalism, glass and other natural causes are covered by the comprehensive part of your Los Angeles auto insurance policy.

Collision— Takes care of the damage resulting from an accident with another vehicle or object that occurs while the car is in motion or is hit by another vehicle that is being operated.

There are other types of insurance available for drivers and these are usually added as a rider, or addition, to your policy. Gap, personal injury, rental car reimbursement, towing and labor, custom parts and equipment, and loss of work are just a few of the different types of coverage you may need.

With all the options available, Bromberg Insurance will help you navigate the choices, find the lowest rates and make sure you have the protection that you need. Trying to find the right coverage and choose the proper options requires someone you can trust, and Bromberg Insurance Services has been your trusted source for Los Angeles auto insurance needs since 1965.

Because of our experience in the Los Angeles auto insurance market, our clients often pay hundreds of dollars less per year by taking advantage of our ability to meet your needs. Take a moment and fill out an online quote form or call us right now and start saving today.