Why Are My Auto Insurance Quotes So High? 
If you live in California your automobile insurance rate is governed by a few variables . The rating factors are , the year , make and model of the car , ages of the drivers , the driving record of all the members of the household , the loss record on members of the household , the annual mileage , and the location of the household . Insurance companies compile statistics and must prove to the insurance commissioner the rate that they are charging . Ultimately , the reason that rates are so high is a reflection of claims . It is not a moral issue it is a financial issue . 