Why Los Angeles Auto Insurance is So Expensive

Why Los Angeles Auto Insurance is So Expensive, and How to Make Sure You’re Paying Less than the Schmuck Next to You

The average cost of a single accident to the insurance companies in Los Angeles is over $14,000, and there are an average of 30,000+ accidents per year.

Okay, to begin with, anyone who lives anywhere near Los Angeles doesn’t have to ask why auto insurance is so expensive. They get a front row, full picture view of the amount of money that insurance companies are paying out every year every time they have to drive down the highway…or go to the grocery store…or take their kids to school. People drive like maniacs…and we’re not just talking about people with cars! Bicycles play chicken on the streets and quiet, sedate college professors hop on the motorcycles and transform into the next road warrior every single day.

Is it any wonder insurance companies cringe when they hear you’re from L.A.?

Fortunately, the fact that you choose to live in one of the most chaotic cities in the world doesn’t have to be a death knell for your auto insurance policy. There are ways to save on your insurance no matter where in the world you live…and once you’ve mastered the art of saving on your auto insurance you’ll have a great time rubbing it the face of the guy that sits next to you in the office and gloats about the great deal he got on his brand new Lamborghini.

The Secrets of Saving Hundreds of Dollars a Year on Your Los Angeles Auto Insurance Policy

1) Don’t drive like a lunatic. While it might sound like a good idea to fly past the guy in front of you who passed you on the right and then slowed down to twenty miles per hour, the single best way to save on your Los Angeles auto insurance is to keep your nose (and your driving record) clean. Tickets and accidents will send your premiums through the roof faster than you can say “driving school”.

2) Don’t splurge on a sports car. Los Angeles caters to tourists, which means you’re going to see everything from Lamborghinis to Minis out on the road. Here’s a hint; the Lamborghini (statistically speaking) costs $299,100.00 more than the Mini to insure. If it goes 0 to 60 in less than 3 seconds your insurance is going to go up. You can count on it.

3) Finish college and get a boring, dependable job in teaching, engineering, science or mathematics. Engineers, scientists, doctors and teachers statistically have fewer accidents every year, and therefore they pay less for their auto insurance. If you’re one of the many aspiring actors to hit L.A. every year, don’t give up your ambition-but don’t give up your day job either. That dull, boring paycheck might save you hundreds on the cost of your auto insurance.

4) Minimize your commute. If you’re driving from L.A. to Simi Valley and back on a regular basis you’re going to drive up the mileage on your car-and the cost of your auto insurance.

5) Pump up the safety features on your car instead of the speakers. Anti-lock brakes and high quality alarm systems look great on a Los Angeles auto insurance quote.

Remember, if your Los Angeles auto insurance company thinks they’re going to have to pay for something they’re going to charge you for it-every time. Following these steps will save you hundreds of dollars a year on your auto insurance policy and give you unquestioned bragging rights every time the guy next to you starts whining about how much it costs to insure his new toy.

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