You are probably like millions of Californians who depend on their cars to get to work, run errands, pick up the kids, go to the grocery store: in other words just live life. Then, one day while you’re on the interstate, someone abruptly cuts in front of you and the two of you collide, totalling your car. If you don’t have auto insurance, you are looking at a huge financial uphill climb. You will have to find another vehicle, and find a lot of money to buy it. It can be a life game-changer, and it all happened in a split second.

Let’s Look at Auto Insurance Numbers

• 1 in every eight Americans chooses to have no automobile insurance
• Here in the Golden State, there are about 32 million registered motor vehicles. Think about that: 32 million is far more than most states have in population!  Each owner is required by California state law to have auto insurance, but unfortunately, many do not.
• One interesting note is that there are more registered motor vehicles than there are licensed drivers.
• We have roughly 22 million licensed drivers in the state, so that is 10 motor vehicles for every eight drivers.
• Even if we cut out the five-and-a-half million extra automobiles, Californians drive 300 billion miles a year.
• To do this, in California we use 15 billion gallons of gasoline.
• In terms of Vehicle Miles Traveled (VMT) California drivers average 13,636 each year. Compare that to the national average VMT of 9,363, according to recent data.
• In its 2012 Urban Mobility Report, the Texas Transportation Institute declared that drivers in two regions: Los Angeles Long Beach Santa Ana (LA-LB-SA) and San Francisco Oakland (SF-O) experience a yearly average of 61 hours of delay in traffic.

So in other words, here in the Golden State, we are dependent on our automobiles and we drive a lot.

• The State of California requires insurance companies to take the number of miles you drive each year into account when figuring out auto insurance premiums. It just makes sense: the more miles you drive, the more likely you would be to get into an accident.
• Also, the type of vehicle you drive impacts your rates. California car insurance premiums are largely based on how old, how expensive, how safe, or how prone your car is to be stolen by thieves.
• It is imperative that you have insurance, so if you are in a wreck, you can be covered, and get in a new vehicle without it impacting your financial life. Also, if the wreck is deemed to be your fault, you need liability insurance in order to take care of the other driver as well.

At Partners Direct Insurance, we take your individual driving needs into consideration in order to find you the best premium to keep you covered. For example, if you were driving a large number of miles, say 15,000 but your job change has cut that down significantly, that could mean a reduction in your premium.

That’s why it is important to work with an insurance company who will find the best deal…for you, in order to protect your savings and your assets in case of an accident.  Contact us at Partners Direct Insurance: just fill out your contact information and one of our team members will be in touch to provide a quote on our comprehensive Auto Insurance policies. We want you to have the best option so you can have peace of mind while stuck in traffic!