To get general quotes for an area such as Los Angeles we would recommend getting quotes using any zip code in LA and compare the quotes.

Under new California law (or the enforcement of old laws), companies don't actually use zip code as a rating factor. Many systems, like ours, use it to determine which carriers we have available in that area.

You can get a quote with us without having an exact address. We only need your planned zip code to get started. Since insurance company rating systems can vary, try comparison shopping for your car insurance rates.

Here are a few tips on ways to save money on auto insurance:

• Choose the right car: Before you buy a car, check with your agent to see how much the rate for the car you have chosen will be, and if the premium and the car payment fit your budget.
• Choose a higher deductible: Your insurance premium can be decreased if you increase your portion of the risk. Raising your collision and comprehensive deductibles from $250 to $500 or higher can save money. You do need to be aware that you will have to pay the higher deductible any time you use these coverages so don't make it so high you cannot afford it when you need it.
• Eliminate duplicate coverages: You may have an overlap in coverage, such as medical coverage and health care, or collision and uninsured motorist property damage. Ask your agent to explain what each coverage offers you if you do not understand.
• Shop around: Most states allow insurance companies to set up their own rating systems (that they file and have okayed by the state's insurance regulator). Because each company's rates are based on its own loss experience, the premium charged by different companies can be different for the same driver.

Factors that Affect Your Car Insurance Premium is an article in our Learning Center that may also better help you to understand how car insurance is calculated.

Use our online insurance coverage calculator to help you decide what auto insurance coverage is right for you. Figuring out car insurance can be confusing and this tool will help you understand better. Answer a few short questions and we'll give you some car insurance guidance on limits, deductibles and what kind of coverage you need.