Los Angeles Car Insurance

Los Angeles, California is home to more than 3.8 million people, making it the second most populated city in the United States. This number and the number of cars on the road are continually growing. In fact, in the 1990s, Los Angeles ranked fifth in the country for the most growth in population.

For all those living and working in LA, the commute time can be as short as 30 minutes and as long as an hour or more. This gives the city the dubious distinction of coming in first place above every other city in the country for traffic congestion. The City of Angels loses more than 625,060 hours just sitting in traffic every year. That's about 49 hours annually per driver. This costs taxpayers $11,231,000 for road repair and maintenance and individual drivers about $879 each in car maintenance and upkeep.

With all these cars on the road, there's bound to be trouble. Over a two year period, Los Angeles lost more than 835 lives to traffic accidents according to the National Highway Traffic Safety Administration.

The combined areas of Los Angeles, Long Beach, and Santa Ana lost more than 86,560 cars in just one year, as well. This put them in 22nd place in 2005 for the most car thefts in 2005.

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Car Insurance Policies in Los Angeles, CA

With all these high rankings in rather unhappy lists, California's minimum car insurance requirements are rather low. They require the following minimum requirements of all of its drivers:

$15,000 in bodily injury insurance for one person with up to $30,000 per accident
$5,000 in property damage
Show proof of insurance when registering vehicle

Please keep in mind that these are minimums, and you should consider purchasing more in the event that the cost of damages is higher than what your insurance covers. You should buy as much car insurance as you can comfortably afford. We believe Esurance can help you make the best decision comfortably and instantly.

In California, insurance companies have a few requirements of their own. They must, for example, provide coverage to all uninsured or underinsured drivers. They must also give drivers an opportunity to find a new provider if they cancel a policy.

There's a special provision for 'Good Drivers' in California. If you meet those requirements, you may qualify for substantial discounts on your car insurance.

Dept. of Motor Vehicles
3615 S. Hope
St., Los Angeles, 90007
Tel.: (800) 777-0133

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