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When you are obtaining a car insurance quote, you will be asked to estimate your annual mileage. From the perspective of a car insurance company, more driving puts you at more risk. If you are out on the road for many miles everyday, there are more opportunities for you to get in an accident. When you are in an accident that means the car insurance company has to pay for repairs and liability. Like any business, insurance companies want to save money. Therefore, if your driving habits are going to potentially cost them more money, you will have to pay higher car insurance rates