(818) 272-8882

18607 Ventura Blvd #200

Tarzana, CA 91356

How To Choose The Best Auto Insurance

With so many insurance companies out there offering auto insurance, deciding who to go with can be challenging. If you’re planning to drive a car, you will definitely need to have auto insurance. Hopefully, this guide will give you some insight about choosing the best auto insurance for you.

Factors That Help You Get The Best Insurance Rates

  • A Good Car: Every car has a different insurance rate. When buying a new car, consider and check the insurance rate for the particular make, model, and year. 
  • A Lower Deductible: Be sure to check your deductible amount. You can choose to pay a higher premium so you don’t have to pay more out of pocket in the event of an accident. 
  • A Good Credit Score: Insurance companies will often take your credit score into consideration. A better credit score statistically means you’ll be able to make your payments, and this translates into lower risk for the insurance company, and a lower premium for you. 
  • A Clean Driving Record: Having a good driving record is looked upon favorably by insurance companies. It will help you lock in a lower rate than having a bad driving record.

Factors That Decrease Your Auto Insurance Premium

  • Moving to a safer neighborhood
  • Buying a car with anti-theft features
  • Having a driver’s license for a long period of time
  • Combining your policy with your spouse
  • Insuring your home and other cars with the same company
  • Academically successful undergraduates
  • Old age
  • Reduced mileage

Factors That Increase Your Auto Insurance Premium

  • Moving to a high-crime neighborhood
  • Buying an older, more dangerous model car
  • Traffic violations and past at-fault claims

Types of Auto Insurance Coverage Minimums in California

California requires drivers to carry at least the following auto insurance coverages:

Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
Property Damage Liability Coverage: $5,000 minimum
Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
Uninsured Motorist Property Damage Coverage: $3,500 minimum

Choosing the right auto insurance for you can require some time and effort, but once you find the right provider, you can stay with them for as long as you’re happy. A great way to get a feel for the insurance company is to call them and ask questions. This will allow you to experience the quality of their customer service, as well as compare their rates to other providers.

Contact A Personal Injury Attorney Today

If you or your loved one has suffered an injury as the result of a car accident, be sure to work with a qualified personal injury lawyer so you and your loved ones can get the monetary compensation you deserve.

Contact The Law Offices of Michael A. Rabban at 818-272-8882 today for your free consultation.

No fee, no risk promise: we don’t get paid until you win.


Schedule a free case evaluation: (818) 272-8882


Michael A. Rabban

Attorney at Law


Michael A. Rabban has been regarded as one of the best Personal Injury lawyers in Los Angeles.

In 2009, he founded a very successful law practice that quickly garnered the respect of clients and peers alike.

He has handled cases involving work related accidents, car accidents, and many premises liability cases such as Slip and fall accidents, dog bite, and negligent security cases. To Michael, it had always been a life time dream to establish a practice who's mission was to treat each and every one of his clients with care, dignity and respect. He strives to afford every one of his cases, no matter how big or small, the time, effort and attention he or she deserves. He lives and breathes by the mantra that no person is without rights.

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I know many attorneys and was having a hard time deciding who to use. I was fortunate enough to make a great choice and pick Mr. Rabban to represent me. He is professional, knowledgeable, personable, and took the time to answer all questions. He would follow-up with me regularly and pay close attention to the details of my personal case. The outcome of his hard-work paid off and I thank him for that. I strongly suggest him to everyone seeking counsel.


David M.

Los Angeles

You’re not alone. We’re here to help.

No fee, no risk promise: we don’t get paid until you win.


Schedule a free case evaluation: (818) 272-8882