How Where You Live Affects Your Driving Insurance Rates
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Elizabeth Murphy
Apr 30, 2013, 11:40:03 PM4/30/13
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Please consider this free-reprint article written by:
Elizabeth Murphy
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Article Title: How Where You Live Affects Your Driving Insurance Rates
Author: Elizabeth Murphy
Word Count: 598
Article URL: http://www.isnare.com/?aid=239653&ca=Society
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=239653
Easy Publish Tool: http://www.isnare.com/html.php?aid=239653
*********************** ARTICLE START ***********************
Many of us live where we live because we were either raised there or we landed there somehow and are happy with where we are at. Sometimes someone may not have control over where they live for occupational reasons. Whatever the reason why you live where you do, that fact can actually have an influence on how much you pay for your auto insurance. Does this mean you should move to pay lower premiums? Well, not unless you want to. But it is important to know how where you live affects your auto insurance rates.
First of all, the safety of your neighborhood is something that the insurance company takes into consideration. If there is a high incidence of vandalism and car theft in the area in which you live, you�ll pay more in car insurance premiums than someone who lives in a peaceful neighborhood. This is one way in which people lose money in car insurance because of the fact their neighborhood is considered a risky one. However, how risky a neighborhood is can be rather difficult for the residents to control. Even when a neighborhood is �reformed� and made safer, it may take a while before the insurance company can deem that neighborhood one of lower risk.
How the insurance company knows that the area you live in is high risk or not is that the insurance company actually maps out which areas are high risk, medium risk, and low risk. There are even areas that are considered to have no risk at all. And we all know that when something is mapped out that it is going to have boundaries. That is when someone may find out that their neighbor is paying a considerable amount less in car insurance because they may live on the other side of the boundary. Going to the insurance company and bringing this to their attention doesn�t do any good for the fact that they cannot move the boundary. If they do, then other neighbors would be requesting the same treatment and the boundary would move until that risk area would be non-existent. That would completely eliminate the need for the mapping and the insurance company would actually lose money by offering the same rates to everyone, which in turn would raise premiums anyway.
Another way in which how you live has an influence on your car insurance is how far you have to drive from home to work. The number of miles that you drive each day has an influence on your risk factor. Someone who drives 5 miles to work each day is at a lesser risk of being in an accident than someone who drives 25 miles to work each day; therefore the person driving 25 miles to work is going to have to pay a higher premium than the person driving 5 miles to work. It works just the same for the person driving 50 miles to work that is going to have to pay more in insurance than the person driving 25 miles.
Basically, what it comes down to is risk factor and that is why it is important to shop around for insurance companies to see which might offer a lower rate for a specific area. Certain insurance companies may map areas differently depending on what their definition of a high risk area is and that can have a considerable influence on the amount of money paid in car insurance. Shopping around for the best rates can alleviate the desire to move to a low risk or no risk area.
About The Author: Where you live can definitely determine your http://www.belairdirect.com/regionselect.html auto insurance rates. Before you buy any car, be sure to get a quote of what you can expect to pay.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=239653
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Elizabeth Murphy
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=239653
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=239653
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: How Where You Live Affects Your Driving Insurance Rates
Author: Elizabeth Murphy
Word Count: 598
Article URL: http://www.isnare.com/?aid=239653&ca=Society
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=239653
Easy Publish Tool: http://www.isnare.com/html.php?aid=239653
*********************** ARTICLE START ***********************
Many of us live where we live because we were either raised there or we landed there somehow and are happy with where we are at. Sometimes someone may not have control over where they live for occupational reasons. Whatever the reason why you live where you do, that fact can actually have an influence on how much you pay for your auto insurance. Does this mean you should move to pay lower premiums? Well, not unless you want to. But it is important to know how where you live affects your auto insurance rates.
First of all, the safety of your neighborhood is something that the insurance company takes into consideration. If there is a high incidence of vandalism and car theft in the area in which you live, you�ll pay more in car insurance premiums than someone who lives in a peaceful neighborhood. This is one way in which people lose money in car insurance because of the fact their neighborhood is considered a risky one. However, how risky a neighborhood is can be rather difficult for the residents to control. Even when a neighborhood is �reformed� and made safer, it may take a while before the insurance company can deem that neighborhood one of lower risk.
How the insurance company knows that the area you live in is high risk or not is that the insurance company actually maps out which areas are high risk, medium risk, and low risk. There are even areas that are considered to have no risk at all. And we all know that when something is mapped out that it is going to have boundaries. That is when someone may find out that their neighbor is paying a considerable amount less in car insurance because they may live on the other side of the boundary. Going to the insurance company and bringing this to their attention doesn�t do any good for the fact that they cannot move the boundary. If they do, then other neighbors would be requesting the same treatment and the boundary would move until that risk area would be non-existent. That would completely eliminate the need for the mapping and the insurance company would actually lose money by offering the same rates to everyone, which in turn would raise premiums anyway.
Another way in which how you live has an influence on your car insurance is how far you have to drive from home to work. The number of miles that you drive each day has an influence on your risk factor. Someone who drives 5 miles to work each day is at a lesser risk of being in an accident than someone who drives 25 miles to work each day; therefore the person driving 25 miles to work is going to have to pay a higher premium than the person driving 5 miles to work. It works just the same for the person driving 50 miles to work that is going to have to pay more in insurance than the person driving 25 miles.
Basically, what it comes down to is risk factor and that is why it is important to shop around for insurance companies to see which might offer a lower rate for a specific area. Certain insurance companies may map areas differently depending on what their definition of a high risk area is and that can have a considerable influence on the amount of money paid in car insurance. Shopping around for the best rates can alleviate the desire to move to a low risk or no risk area.
About The Author: Where you live can definitely determine your http://www.belairdirect.com/regionselect.html auto insurance rates. Before you buy any car, be sure to get a quote of what you can expect to pay.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=239653
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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