How do I contact LERA Insurance Services, Inc.?
Our phone number is 1 (818) 618-3488. We are located at 2829 West Burbank Blvd. Burbank CA, 91505. You can contact us by email at firstname.lastname@example.org or fill out a message form on the contact
Do all insurance companies offer the same coverages and discounts?
Definitely not. While many of the basic types of coverage - Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, Uninsured Motorist, etc. - are offered by major companies, discounts and specialized coverages can vary greatly between companies. For instance, not all companies offer Loan/Lease Payoff coverage, student discounts, good driving discounts, deductible reductions, etc.
Are insurance companies regulated?
Yes. Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review that information and the rates companies charge.
How much insurance coverage do I need?
Your individual needs and situation should dictate how much insurance you need. When you're trying to determine how much insurance to buy, here are a few factors to think about:
How much can you afford to pay out of pocket?
(Choose a deductible that you know you can pay out of pocket. Also, if you choose lower limits, you might be personally responsible for damages that exceed those limits. Consider whether you can afford this possibility, too.)
Do you make payments on your car?
(If you do, you may be required to have Comprehensive and Collision in addition to Liability coverage.)
What type of vehicle do you drive?
(It's wise to have higher limits for vehicles, such as large SUVs, that can cause more damage.) Do any drivers live in your house but never drive your vehicles?
(You can exclude them from coverage on your policy, which means you won't have to insure them on your policy.) Remember, you can always call us 24/7 if you have any questions about coverage. We can answer any questions and help you decide before you buy.
How do I know if I chose the right coverages?
During your quote, you won't be able to select coverages that don't apply to you. If you're unsure about what optional coverages to select, you can speak directly with LERA Insurance Services, Inc. to decide which optional coverage is best for you.
What if I have a question about coverages during my quote?
Simply contact LERA Insurance Services, Inc. to get a in-depth understanding about your coverage.
Can I add or remove coverages in the middle of my policy?
Yes - to change or update your policy you must contact LERA Insurance Services, Inc. to add or remove coverages. If you need to make any alterations to your account such as change of address or driver change please contact Ay-2-Ze. Please keep in mind that any change in coverage may affect your rate.