You have to shop around
Discounts and surcharges are calculated from your base territorial rate. If your base rate is high, the consequences of any accident or violation you have are magnified.
For example, one insurance company charges $844 for basic liability coverage to residents of the 98101 ZIP code in Seattle, but it charges just $341 for residents in 98926 in rural Ellensburg, Wash.
Now add in a DUI surcharge, multiplying that base rate by 1.5 (most companies would penalize even more heavily). In Seattle, that driver with basic liability now pays $1,266. In Ellensburg, the same driver pays $511.
In most states, every part of your policy is affected by the territorial rate. That's why comparing car insurance quotes becomes all the more important, says Penny Gusner, CarInsurance.com's consumer analyst.
"These companies all have differing claims experiences in your ZIP code," Gusner says. "The quotes you get are likely to reflect that. One insurer may put your area into a high-risk bucket, and another may not."
For example, the average rate from six major insurance carriers for ZIP code 48101 in Dearborn, Mich., was $2,522 -- but that included rates as low as $1,776 and as high as $4,374.
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2012 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
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First off, MSM police your site for spam, it is getting ridiculous.
Second, I agree with site-specific costing. I spent some time in Memphis, and that place had some of the worst driving I have ever seen.
What was really interesting was to watch a fender-bender occur, some pretty serious, and watch as BOTH drivers raced away. No registration? No insurance? Stolen? Warrants?
Whatever, if you drive there you are at a higher risk, and I don't need to subsidize your community's lack of driving ability compounded by apparent criminal activity through my insurance.
I live 80 Miles north of NYC, and pay 432 Dollars a year for a Buick Road Master(2x216)--if you buy cars that can usually take the killer impact better (far safer), even though the Corvette Engine, but I guess young blooth, want bigger mufflers, instead of bigger/real engines, and far better stability!
Remember an old station Wagon, still is/ was the safest car in an accident!, but I guess the tall SUV (flip over) and "short" wheelbase suits the average modern mind better, fitting the FB standard!!--Auch!
POORLY WRITTEN ARTICLE..again. Useless information.
The problem with high insurance auto rates is not caused by the insurance companies. Everything auto insurance pays out on claims are very costly,ie, hospital and doctor bills, body shop parts and labor costs, and lawyer fees. If you want insurance rates to come down,then control medical costs, ask the bodyshops to lower their labor rates,ask the auto industry to control their prices on autos and their repair parts, and stop the volume of lawsuits that are clogging our court systems.
Reduce crime, improve our roads, highways, and traffic patterns,stop texting and driving,pay 100% attention to the road. Improve public transportation to encourage commuters to leave their cars at home. All bars,taverns, and restaurant should have a service in place to help intoxicated patrons get home safely.
Set thresholds on injuries before any lawsuit can be filed, and if you sue on a groundless case and lose,then you pay all court costs as punishment for filing frivolusly.
Did you know nearly 40,000 were killed, & almost 3,000,000 injured on the nation's highways last year. And that's just your fellow Americans. If a foreign country did this to us, you'd be screaming for the president to push the button. Private ownership of automobiles is a concpet that's failed.
Give it up! Leave driving to professionals.
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