Los Angeles, the city of angels. Home to famous celebrities such as Megan Fox, Britney Spears, and Angelina Jolie, it's also one of the busiest cities in the world with some of the worst traffic. Yes, in LA, everyone seems to have a car. But what happens when you get in an accident? In a busy city such as Los Angeles, you need to be covered. With over 82,000 accidents in 2008 alone, car insurance in LA is crucial.



So what’s important to look for when you’re getting car insurance in LA? Well first you must start off with the car. When you buy a new car, make sure you and your agent have talked about the rates, and what kind of premium you are paying. For those unfamiliar with insurance, a premium is the rate you pay every month, compiled by people called actuaries. They use a number of factors, including:



* Age
* Gender
* Marital Status
* Where you live (high traffic areas vs. low traffic areas)
* Previous driving history
* Type of vehicle
* Credit rating
* Job
* Education

Whew! That is a lot to consider. Another thing to consider is the deductible, which is the minimum monetary evaluation of damage to the car that you need before your insurance kicks in. A deductible usually ranges from $150-300, but you can reduce your car insurance rate if you choose to increase the deductible.