Factors that Affect Your Car Insurance Rates in Los Angeles

Los Angeles drivers spend some brake-slamming 81 hours in traffic each year. And according to the U.S. Department of Transportation, the 405 Freeway is the nation’s most heavily traveled interstate with close to 400,000 vehicles hitting the pavement each day. These facts equal one thing: expensive car insurance.

Factors that Affect Your Los Angeles Car Insurance Rates

How Many Miles You Drive Each Year
When you apply for car insurance, agents will ask you to estimate how many miles you drive your vehicle annually. Average and lower mileage counts (12,000 or below) may snag you a lower insurance premium than someone who packs 15K miles onto their vehicle each year. According to Quadrant Information Services, you could save as much as 9% on your annual policy if you drive less. The logic is simple: the fewer miles you drive, the less chance there is for collision, and the less likelihood there is for the insurance company to shell out money on your behalf.

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Author: Donna Woods

  • 6+ years of experience in financial analysis
  • 5+ years of experience as a writer, published author, editor, and screenwriter