Fred Loya Insurance in Los Angeles, CA with Reviews -
By: Robert P.
Auto Insurance Specialists
Gerson found a great quote and also that my previous insurance had misinterpreted accidents where I was actually not at fault on my record. I took the extra time to make sure I was getting quality service and really helped to save me money on my insurance. I am extremely grateful.
By: Melinda S.
Mercury Casualty Co
I have been with Mercury Insurance for years and had never filed a claim... Then 2 months ago, I got hit while my car was parked and they acted quickly to get my repair authorized, estimated and repaired quickly. Thanks!
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By: Roy T.
Healthcare Insurance Service
I used Healthcare Insurance Service to enroll into Obamacare. It was very easy and fast to enroll. I also am very happy with the dental insurance and vision insurance plans that I added.
By: Tony B.
Exclusive Deals on Auto Insurance
thank you so much for helping me out i can't believe you were able to give me a quote from different car insurance companies and save me $600 a year
By: Michael J.
this is a great auto insurance company. they have the cheapest rates that i could find in los angeles. they also have a very friendly staff
By: jimguli
Just Auto Insurance
Two accidentswe had zero fault and Adriana's stood by us through the year long process aiding us in settling the claim.
By: Elsie M.
They offer a variety of services and are very nice. They helped me obtain affrodable auto insurance.
By: Jamie W.
Exclusive Deals on Auto Insurance
customer service was really good here and i got what i wanted so i can't complain thanks guys.
By: jesbbb
Save-on Insurance Services, Inc
Pleasure working with this business. Very professional and knowledgeable!!!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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