How Your Zip Code Affects Your Auto Insurance Quotes

By Author: Michael Scott
Total Articles: 46
Comment this article

Most insurance consumers already know the reasons why home insurance is considerably affected by zip code. However, the idea when it comes to auto insurance is relatively far behind. Knowing this essential information could help policyholders save money when buying a home and help educate them on how to save a few hundreds on car insurance. Here are some of the ways to find out:

In most cases, the area where you buy your house determines the mileage you put on your car each year. If you are living in a place far from the workplace or in an area where you usually go, your annual miles driven may go up dramatically because of this. If your workplace is 10 miles far from your home and you drive to work five times a week, your miles driven will be twice as much as with those who live 5 miles away from their workplace. So, consider living in an area where you have access to mass transit and other transport system, by doing so, the annual miles driven will possibly go down and help you to get your car insurance rates down.

The cost of your auto insurance is also influenced by the crime rate in the area you are ...
... living. If you are living in an area where the risk of vandalism, theft and other crime is much higher, the rate of your auto insurance increases accordingly.

If you are buying a house, you must be guided by these issues to avoid dramatic increase on your expenses for car insurance premiums.

You may compare some information from various car insurance providers with less focus on the zip code where you live in. So, when buying a house, it's good to compare the car insurance quotes from different zip codes and compare its rates. If your zip code has an extra 250 dollars on the annual premiums, in 20 years you may end up paying twice that amount with insurance then you may with gas and car repairs if you were to live closer to your place of employment.

There are other factors which you must also consider apart from your zip code that will save hundreds on your premiums:

Having bad driving records and other violations such as reckless driving, speeding tickets and others will surely results in a higher accident risk and thus an increase in premiums on car insurance. Keep in mind that having a clean driving history will give you low cost auto insurance for your savings.

Another indication of higher risks is having poor credit history. Most insurance companies charge a much higher car insurance premium for those consumers with poor credit score, however, having good credit will give huge savings and more discounts.

Some insurance companies look at the occupation and think of the possible risks of not paying their monthly premium. If your job requires you to travel most of the time the possible risks of car accident and frequent filing for auto insurance claims is high. So, your job is definitely important when you want to save hundreds on car insurance.
We are committed in providing ideal and cheap auto insurance for

your cars. Just visit our site and select your state to get cheap and

href="http://affordableautoquotes.blogspot.com/">affordable auto insurance online with ideal automobile insurance policy

coverage. Save money on auto insurance today!