To find the cheapest car insurance in LA, be prepared to roll up your sleeves and do some digging (figuratively speaking, that is). You will need to shop around and compare rates from different providers if you want to find the company that can offer you the lowest rates. This is a helpful exercise even if you have been with the same provider for a number of years, since there may be another company providing coverage in the state that can give you a better deal.
Before you can start shopping for coverage, you need to get clear about exactly what it is that you are looking for. Take out your current policy documents and examine them carefully. Do you need to make any adjustments to the type or level of coverage for your new policy? You may want to lower the physical damage coverage (collision and comprehensive) if you are driving an older model car that has been paid for in full. Doing so will help you keep your coverage costs down, and you may want to take the savings and put them away to buy a new vehicle when you are ready to do so.
Get quotes from several providers before you make your buying decision. Each company uses its own formula to set rates, and they can vary significantly between companies. To keep costs down, you will also want to avoid any extras on the policy; paying for frills will not help you get the cheapest car insurance in LA.