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HOW DOES WHERE I LIVE AFFECT MY PREMIUM?
How does where I live affect my premium?
Where you live (or, more precisely, where you keep your car) has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Brooklyn, New York, pays a higher rate than the owner of an identical vehicle in Dallas, Texas.
Other factors affecting regional insurance rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area--that is, how many lawsuits are filed, go to trial, are settled out of court and for how much.
« BACK
» Car insurance guide:
 Why do I need car insurance?
What are the different types of policies & what cover?
Why and how are policies priced for different drivers?
How does where I live affect my premium?
What is "no-fault" insurance?
Do all states require some kind of liability insurance?
Why would my insurer cancel my policy?
How do I keep my insurance company from canceling my policy?
What steps can I take to reduce my rates?
How does adding drivers to my policy affect my rates?
Who's watching the insurance companies?
Do I always need to buy insurance when I rent a car?
What happens when I loan my car to someone?
Am I covered for natural disasters or "Acts of God"?
What actually happens when I report an accident?
Do I need special insurance for a classic car?
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