Los Angeles, California is one of the largest cities in the United States, and it is dominated by car culture. The area that the city covers is incredibly vast, making it necessary for most residents to own automobiles. Of course, owning an automobile requires the proper coverage, which is why finding car insurance Los Angeles is so important. Thankfully, there are many fantastic resources like californiacarinsurancerates.net available for auto owners who want to find cheap car insurance in Los Angeles, California.
Average Los Angeles Car Insurance quotes — Save Hundreds of Dollars Every Year
The average annual cost for car insurance for Los Angeles residents is $1,678. In Los Angeles county, the average rate is quite similar, although it can vary significantly by city or neighborhood. The average annual premium in the state of California is approximately $1,415.
Insurance Factors — What Can You Expect to Pay for Car Insurance Los Angeles, California?
When insurance rates are determined, a number of factors are taken into consideration. Obviously, your accident history plays a part, but some other factors such as your age, gender and credit score are also considered. If you want to save on Los Angeles car insurance, you should consider these factors carefully:
- Location — Since Los Angeles is so vast, rates can vary depending upon your location within the city. For instance, zip codes that feature higher populations often experience higher rates for insurance. The total population of Los Angeles is 3,831,868, making it one of the most populous cities in the country. The city’s population density is quite high at 8,085 people per square mile.
- Driving to Work — Drivers who commute to and from work during the busiest times of the day will pay more for car insurance, on average, than those who do not commute during peak drive times. Since commuting is so important to Los Angeles drivers, those who can avoid driving during the busiest times of day are often eligible for insurance discounts. In Los Angeles, the average travel time to work is approximately 30 minutes. For every 100,000 crashes, 464 of them are fatal.
- Auto Thefts — The more vulnerable your car is to theft, the higher the insurance rates you will have to pay. Large cities like Los Angeles experience increased instances of theft, and a number of other factors also contribute. For instance, certain car models are more attractive to thieves, causing rates to rise, but the presence of anti-theft devices can work to reduce rates. Rates for Los Angeles car insurance are influenced by the number of annual auto thefts. In 2011, there were 15,597 auto thefts in Los Angeles, which is an average of 406.5 per 100,000 people.
- Education — Typically, higher levels of education translate into lower insurance rates. In Los Angeles, 16.4% of drivers have attained a Bachelor’s degree. This is slightly lower than the state average of 17.1%. Of the city’s drivers, 17.4% have received a high school diploma. The California average is 20.1%
Car insurance in Los Angeles can be a confusing topic, but there is help available if you want to find cheap insurance rates. If you would like to learn more about car insurance right now, use the handy quote widget on the webpage in order to find great rates and save money today. You can also visit the website californiacarinsurancequotes.net for additional information and money-saving advice.