Everything is bright and shiny in Los Angeles, especially the cars. Making sure those pretty sparkly vehicles are appropriately insured is another story. Whats really necessary when you’re looking at insurance in LA?

The law requires that you carry minimum limits as follows:

  • $15K personal injury/death to one person
  • $30K for injury/death to more than one person
  • $5K for damage to property

Good personal finance sense, however, may suggest otherwise. The limits you need will depend upon your car, your finances, and more. The best way to determine what you need specifically is to speak to a licensed agent. An agent that is knowledgeable in the field of insurance in LA can help you figure out what your risks entail and ensure that your deductible is reachable without making your premium infeasible.

If your car has been customized outside of stock offerings, then additional considerations may need to be made. An agent with extensive automobile knowledge may be what you need to tailor a policy to suit you and your needs.

Insurance agents are often regarded as a necessary evil. The truth is that they can be an invaluable source of information regarding insurance in LA. Discussing your needs with them can help you determine what you need and help you save as much as possible.