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Saving Money

Insurance Center Associates

We Know the Insurance Industry, and We’re on Your Side

Every one loves saving money. Here are some great ways you can save when you insure your vehicles with an Insurance Center policy.

As independent agents, we represent several companies that will compete for your business. We know all the ins – and – outs, discounts, and tricks of the trade. Let us do the shopping for you.

When you consult with us, we’ll help you make all the right auto insurance decisions. Most importantly, at a time of loss, we represent your interests, not those of an insurance company. In the event you have a claim, you can count on us to work with you for a fast, fair cash settlement.

Opt For A Stable Insurer

While most insurers provide fair settlements, speed and quality can be almost as important as money. Be sure the carrier you choose has a reputation for fast quality claim service. Check out our customer testimonials to see why 50% of our business comes from referrals.

Ask About Discounts

Insurance Center has discounts for everyone:

  • Multiple cars discounts
  • Multiple policies with the same insurance company
  • Good student / safe driver
  • Car Pool
  • Alarms / Lojack
  • Professional designations
  • Occupational discounts (teacher, police/firefighters, government workers, etc),
  • Union (ILWU) Association, or Credit Union Member discounts
  • Renewal discounts
  • Safety Courses / Teen insurance programs
  • Even based on years of experience or retirement status

Choose The Appropriate Limits

Don’t Under-Insure

Don’t underestimate jury awards / repair costs. Saving a few dollars up front could cost you a significant amount of money in the event of a loss, as you are liable for any verdict/award over your coverage limit.

Don’t Over-Insure

Choose only the coverage you need. For example, if your car is more than 6 years old, look at the cost / benefit of continuing collision, and perhaps comprehensive coverage as well.

Select The Right Deductible

By “self insuring” what you can afford, deductibles can save you significant premium dollars.

Young Driver Savings:

If you have or are a young driver – the best thing you can do is have a good GPA (3.0) qualifying you for a good student discount. Safety programs also can lower your rate. Check out TEENSURANCEa great new product and idea that can save 15% on your insurance.

The Comprehensive / Collision Coverage Question

Without Comprehensive coverage, you will not be paid for fire, theft, vandalism, or other losses out of your control. Collision protects you in case of damage caused by you or unknown persons. That said there comes a time when the car is old – it gets harder to justify the potential return on your premium.

Uninsured Motorist Coverage

This is an important money saver in the event you are the victim of a hit and run, or a driver without insurance.

Towing and Replacement Vehicles

Following an accident, without this coverage, you may have to go “out-of-pocket” to move your auto or rent a replacement car.

Excess Liability (Umbrella)

This is economical coverage that picks up where your auto (and homeowners) liability leaves off. It can save huge amounts in the event of a large judgment against you.

Optional Coverages can save you big $$$

Ask about Replacement Cost, GAP to protect your loan / lease, Mechanical breakdown (extended warranty), Identity theft, even rental reimbursement and roadside assistance. ALL can be added to your policy for 50-60% less than you would pay at the dealer / club.

Our offices are conveniently located at:

1622 S. Gaffey #104
San Pedro, CA 90731

3220 Sepulveda Blvd #202
Torrance, CA 90505