Chula Vista Allstate Insurance Agent Jason Raya

March 15, 2018

Chula Vista Allstate Insurance Agent - Raya Insurance Agency:

Only in California, Where Consumer Protection Law Requires It, Do Insurers Consistently Reward Customers for Driving Fewer Miles

By Jason Raya and Chula Vista Allstate Car Insurance Blog Team

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Our Chula Vista Allstate Insurance Agency has a 20 year experience providing chula vista car insurance quotes and writing Allstate car insurance policies. Allstate Insurance, like ALL insurance carriers in California and across the United States, considers many factors such, other than, your vehicle, when it calculates the risks in providing car insurance coverage.

A recent study released by Consumer Federation of America says that a drivers marital status and financial credit score often matters. Outside of California, often, these "risk factors" matter more than a drivers traffic record and/or how much they drive their vehicle when it comes to calculating the car insurance rates quoted. For California, chula vista allstate insurance agency - Raya Insurance Agency, motorists benefit from allstate insurance rates that give discounts.

The research, released last week, found that major auto insurers provide little or no discounts to low-mileage drivers, even though they tend to have a lower accident risk.

On average this study found that for 5,000 fewer miles driven each year, drivers save, on average, 1.6% on their insurance premiums, which is approximately $30/year.

In California, motorists who drive 5,000 miles or less annually saved $81 a year on average, or 8.7 percent across the studied insurance providers. In Los Angeles, very-low mileage motorists who drive 2,500 miles or less annually saved $346 a year, or 30 percent compared with high-mileage motorists, the study said.

Noted in this study was that at Farmers and Progressive, for driving 2,500 miles or less annually, car drivers not living in California received no discount at all. In fact, they paid the same rate whether they drove 2,500 miles annually or 22,500 annually. “You can drive 2,500 fewer miles per year and pay the same premium for your liability coverage,” said Doug Heller, an insurance consultant at the federation.

At Allstate, the insurance premium for a motorist with an annual mileage of 2,500 is nearly 19 percent lower than what drivers with 7,500 annual miles are charged.

At State Farm, Chicago low-mileage drivers paid 10 percent less than those with an annual mileage of 12,500 or more. At Geico, low-mileage drivers paid, on average, 5 percent less than high-mileage drivers in Chicago.

When insurance companies diminish the impact of mileage in their pricing methods, lower-mileage drivers are punished by having to overpay for coverage, according to the study.

While Farmers and Progressive offered no discounts for low-mileage drivers, locally based Allstate and State Farm offered modest discounts across all markets of 2.9 percent and 3.2 percent respectively. Geico, also included in the study, showed an average 1.3 percent annual reduction for low-mileage drivers in the cities studied, according to the federation.