insurance that they do ask for your zip code. This is because your
home affects what you pay as car insurance premium. The important
thing is to find out if it's making you pay more or less. Where you
decide to make your home will affect what you pay. If you do the right
things, you could save much money in the process (What I am about to
say about the effect of your home has nothing to do with the fact that
some states cost more to insure than others.
Depending on your details, an insurer would require information about
your home and place of work. But despite your details, they must ask
for where you reside. This piece of information will help them know if
you live in a high risk area or otherwise.
Let's assume you live in an area that has high rush hour traffic or
perpetual high traffic (Or an area that has high car theft
statistics). If that describes your neighborhood and you have to drive
through to work every week-day then you should expect to pay a little
more than someone who lives in a place that never has much traffic.
A funny thing happens here that works to some people's advantage or otherwise…
Insurance companies can't start asking themselves or checking
statistics each time someone applies to know how much risk that's
created by a potential insureds place of residence. Therefore, they do
the sensible thing: Group areas into different risk categories.
If you are unfortunate to fall into an area in their map that says you
live in a high risk area, then you'll pay more. However, you may be
surprised to hear that a house less than fifty meters from yours
belongs to a medium risk area. There have to be boundaries and they
could be to your advantage or disadvantage.
Those who are about to buy a house or move into a new apartment, take
note: Take some time out and request for a free auto insurance quote
with the address of this house or apartment you intend to get
(Remember, they are free and non-obligatory). This will help you know
if it will cost you more or less if you move in there.
Don't start kicking yourself if you fall into a high risk zone. You
can still lower your car insurance rates whether you belong to a high
or low risk area. There are many ways to do that. However, this one
takes a few minutes but could save you several hundred dollars…
Use sites that give free car insurance quotes. In just minutes, you'll
be given quotes from A rated companies by answering a simply
questionnaire. From the quotes returned you'll get insurance companies
that are willing to take far less than what you're paying currently to
give you a comparable insurance coverage.
Save now by getting quick, easy and free no-obligation car insurance
quotes from A rated companies…
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Auto Insurance Quotes
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Hometown Auto Insurance Quotes in Minutes
Chimezirim Odimba writes for Car Insurance.
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