car insurance in Los Angeles

Car Insurance in Los Angeles for All Drivers

When it comes to car insurance in Los Angeles, the needs and wants of United States residents has shifted greatly over time. When it pertains to insurance, almost everyone needs it, but not everyone can have it. Rising prices and other standards make drivers and other residents hold off from buying either car or health insurance. In addition, many companies require that their clients are documented US citizens, and seeing as the states can be a mixture of many, that may not always be the case for residents. Larger companies have a tendency to keep their rates steep without considering the fact they are overcharging their residents.

Ask Us About Cheap Insurance

Oftentimes people who have experienced minor, or major, car accidents are left with stress, damages, and complicated cases. Luckily, with an insurance company that aims to keep situations as clear and helpful as possible, you can avoided feeling like you won’t be taken care of during this time. Keeping our rates low is the main goal for anyone and everyone with VIP 360 Insurance because we understand everyone should have the ability to be covered. Los Angeles is a major driving city and we need transportation. However, being held liable when you do not have the ability to afford insurance isn’t a preferable situation. Being able to provide insurance for individuals and families is a way to keep safe drivers on the road. Auto, motorcycle and life insurances all have their separate requirements and during the process of buying insurance those can become convoluted. Through unfamiliar language and long contracts, there can be hidden charges or areas in which you’re not covered in the event of an accident.

car insurance in Los Angeles

VIP 360 Insurance in Los Angeles

It may be more difficult for many to find car insurance in Los Angeles, the options are becoming more expensive and are becoming more exclusive. Which is unfortunate as it is illegal to drive without insurance, and yet many struggle to afford the insurance. VIP 360 Insurance is here to make sure you are covered at lower prices so you can drive without worry.

Contact VIP 360 Insurance for a Quote Today

VIP 360 Insurance provides car insurance in Los Angeles, San Diego, and San Francisco along with all other cities throughout California. If you’re looking for cheap, affordable insurance, call us today and we can evaluate your needs. Contact by dialing (800) 254-9164 and we can have one of our professional representatives on the phone with you in no time.

Uninsured Drivers

California Car Insurance Laws and Requirements

To ensure that all drivers can provide for financial and medical expenses resulting from an accident, most states require drivers to purchase auto insurance to operate a vehicle. If you are new to California, you might not know what coverage is necessary to purchase. The last thing you want to happen to you is getting caught with the wrong coverage.

VIP 360 has compiled a short and easy guide to lead you in the right direction when it comes time to purchase auto insurance. Let’s review what you need to know about insurance laws and requirements in California.

Mandatory Coverage

The state of California requires that all motor vehicles registered in the state are covered by a minimum level of liability auto insurance. Every driver who operates a vehicle statewide, including those with out-of-state licenses or unlicensed drivers, are required to follow the minimum insurance requirements.

You are required to have the following types of liability coverage in California:

  • Bodily Injury Liability (BI)– When you are found legally responsible for a car accident, bodily injury liability coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense if you are sued for damages. You are required to possess bodily injury coverage of at least $15,000 per person, and up to $30,000 per accident in California.
  • Property Damage Liability (PD)- Property damage liability coverage is required by law in most states. It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front. Property damage liability coverage usually does not cover damage to your own vehicle. In California, drivers are required to have a minimum of $5,000 in Property Damage Liability coverage.

Proof of Insurance

It is also important to carry proof of your insurance policy with you whenever you are behind the wheel in California. Make sure to carry an insurance ID card that lists the name of the policyholder, insured vehicle, policy number, and the start and end dates of your policy.

When you are pulled over without enough evidence of insurance, you could get your vehicle impounded and your driver’s license or vehicle registration could be suspended. Fines in California can range from $100 – $200 for the first offense, and $200 – $500 for each subsequent offense within three years of the first.

These are the main insurance laws and requirements in California. Contact a professional from VIP 360 to get up-to-date information on everything that you will need to know about car insurance requirements in California. In search of better coverage with lower rates? Call VIP 360 Insurance today to see how we can help you!

Auto Insurance Form

Auto Insurance Form
Uninsured Drivers

Protecting Yourself Against Uninsured Drivers

The basic idea behind liability car insurance is simple. When you are the cause of an accident, your insurance will pay for the damages. If the opposite party is liable for the accident, that person’s insurance will pay for the damages. Everyone is supposed to have car insurance but sadly because of certain holes in the law, not every driver is insured.

If you get hit by an uninsured driver, you might not be able to collect the money you need to fix your vehicle – unless you have uninsured motorist coverage.

Statistics of Uninsured Motorists

Unfortunately, many people drive without the required insurance. To make matters worse, the number of uninsured motorists is rising.

A study from the Insurance Research Council published in the Insurance Journal found that 13 percent of all drivers were uninsured in 2015. That percentage is up from 12.3 percent in 2010.

It is estimated that 15.2 percent of drivers lack insurance in California. Basically, if a driver hits you, there is over a 15 percent chance that they are not insured and will not have the coverage necessary to pay for the resulting damage and medical bills that result from the accident.

How to Protect Yourself from Uninsured Motorists

Drivers who allow their car insurance to expire do so because they don’t have the money to pay their premiums. If they hit you, they don’t have the insurance coverage that is crucial to cover the damage. Even if you try to sue them, they will not have the money to dish out. Therefore, it’s important to maintain uninsured motorist coverage.

It’s so important, in fact, that many states make uninsured motorist coverage mandatory. According to the Insurance Information Institute, around 20 jurisdictions require drivers to carry uninsured motorist coverage. Other states require insurance companies to offer the coverage and customers are required to accept it.

Most responsible drivers believe they’re accountable for having auto insurance; unfortunately, not everyone is a responsible driver. That’s why this coverage is required in many states. Even if it’s not required, consider protecting yourself and your family with this policy so you can make sure you get back on the road and back to your life quickly.

Contact VIP 360 Insurance today to find a plan that protects you from uninsured motorists. We have the best rates in California and always give everyone the VIP treatment!

Auto Insurance Form

Auto Insurance Form



Cheap Car Insurance in Inglewood

There are a lot of exciting things going on around Inglewood nowadays. The most exciting thing is the Los Angeles football stadium being built. The new stadium is going to be amazing. The Rams and The Chargers will both being playing there and football being in Los Angeles will look and feel good! Also, there are going to be a lot of events held there which means more activities for you to participate in.

With all of the growth in Inglewood, there will also be an increase in traffic that in turn could lead to more traffic accidents. Don’t fret! VIP 360 Insurance is now located in Inglewood and we’ve got your back when it comes to cheap insurance.

Let’s discuss a few aspects that make VIP 360 Insurance different from other car insurance companies out there.

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Cheap Car Insurance Oakland: Warriors Edition

Cheap Insurance in Oakland CA

It’s been a pretty good year for The Bay Area. Dub Nation is in the NBA finals again and is ready to win. Golden State Warriors are about to bring home another championship!

The question is, are you ready for the summer? Or better yet, are you ready for another championship?

Since you know the Warriors are going to win again, that means that there is going to be a lot of partying and celebrations. And rightfully so, we deserve to celebrate a Warriors victory!

With partying comes a lot of responsibility. Most of us can handle it, but a lot of us can’t. Which means there is a good chance of getting a DUI in Oakland.

You don’t want that to happen, but if it does, let us know so we can help you out. Not having car insurance is just as bad. You’re going to be driving to a lot of parties, so having cheap car insurance in Oakland is mandatory. 

You’ve got to be looking forward to seeing the Oakland Athletics in action because the Oakland Raiders are moving to Las Vegas.

Now, before you go out there looking for other companies in Oakland that sell auto insurance, we would like to give you some advice or shall we say general pointers. If you’re looking for cheap auto insurance in Oakland, we would love to help you! There is no greater feeling than saving money. We at VIP 360 know what you want and would like to offer the best of our services to you. We know you will appreciate this list.

Let’s do this Dub Nation…

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Auto Insurance Form

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Cheap Car Insurance in Beverly Hills

Cheap Car Insurance in Beverly Hills FYI

What’s up L.A! How is your 2017 going? It’s been raining a lot lately, but things are heating up around here!. We’re ready to cruise Rodeo Drive and get some shopping done.

We all know how everyone likes to party in Beverly Hills. Just like the band, Weezer says… “Beverly Hills, that’s where I want to be!” They’re not just talking about the posh lifestyle, they’re talking about the parties as well.

Just because you live in Beverly Hills doesn’t mean that you don’t want to save money. Even if you are a big spender, wouldn’t it be nice to save money on cheap car insurance in Beverly Hills? Definitely.

We hope that saving money is always a top priority for you and VIP 360 would love to help you out in that department. Now is a good time to save money. Rates are very low to save money and take advantage of cheap car insurance while you can!

To help you out further, we decided to compile a short list of tips that will help you put when you are looking for a company that sells car insurance.

Are you ready for this list? Here we go…

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Auto Insurance Form

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Cheap Car Insurance in Glendale

Cheap Car Insurance in Glendale FYI

Hello Glendale! It’s the beginning of 2017 and the weather has been quite crazy so far. We’ve been experiencing a lot of rain lately that is both good and bad.

The rain has made our grass green again, the reservoirs flow with water, and created snow on our mountains. Guess what? California is no longer in a severe drought. This spring and summer will be equally beautiful and amazing.

The downside to all of this rain has been car accidents, floods, and mudslides. With all of the trouble the rain brings, it is important to make sure you have the right auto insurance.

So the question we have for you is, do you have cheap car insurance in Glendale? If you don’t have it, the rest of the year is not going to be fun.

We highly recommend that you get insured because as more tourists travel into the area, traffic increases. When traffic increases, there’s a higher risk of you getting into an accident or car wreck. Don’t ruin your fun this year by getting into an accident. The last thing you want to do is to get into an accident and not have insurance. It’s not a very pleasant situation.

If you are looking for cheap car insurance in Los Angeles, let us help you out. VIP 360 Insurance has made a short list of tips to guide you through making a decision about purchasing auto insurance.

Here’s our list…

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Auto Insurance Form

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Cheap Car Insurance in Culver City

Finding Cheap Car Insurance in Culver City is Easy.

2017 is finally underway and we’re so excited about it.

What is your New Year’s resolution? Are you planning on being successful, losing weight, going on vacation, relaxing or saving money? We trully hope all of these are on your list. The most important resolution to us is saving YOU money!

Are you looking for cheap car insurance in Culver City? That is great if you are because VIP 360 Insurance is the best when it comes to saving you money. We save people money on car insurance in Los Angeles County all of the time.

It’s the best time of the year to save money. Rates are super low right and it’s time to receive your income tax return. Wouldn’t you like to have a lot of money left over, so you can treat yourself to nice things?

What’s the secret? Actually, there’s no secret formula for saving money, but there are a few things that you should take into consideration when you’re looking to saving money on car insurance in Culver City. We’ve come up with a short list of tips, ideas, and suggestions when looking for a company that sells cheap car insurance.

Are you ready? Let’s do this…

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Auto Insurance Form

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Cheap Car Insurance in Los Angeles

Car insurance in Los Angeles is what you need

Summer is here and we’re excited!  Even if you’ve experienced summer in other cities in the United States, there’s nothing like a summer in Los Angeles.

There is so much to do in Los Angeles during the summer and you’re going to want to do it all. Those things include rooftop pool parties, beaches, Dodgers games, Lowrider car shows, summer concerts at the Santa Monica Pier, art gallery openings, attractions at Universal Studios in Hollywood, and movie premieres. The list goes on and on.

It’s a no-brainer to have car insurance while driving around LA. If you don’t we would highly recommend that you get it. As more tourists come into the area, traffic increases. When traffic increases, there’s more of a chance of you getting into an accident. Getting into an accident could ruin your summer fun and the last thing you want to do is get into an accident and not have car insurance.

Are you looking for cheap car insurance in Los Angeles? VIP 360 Insurance has made a short list of tips to guide you while making a decision about purchasing auto insurance.

Here is a list of tips we have compiled just for you…

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