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Where You Live
Where you live can have a pretty big impact on how much you pay for car insurance. People who live in cities typically pay more than those who live in rural areas because they are more likely to get into accidents or become the victims of theft. It’s debatable whether or not this is one of those factors influencing the price of your insurance that you can truly control. What if your dream job is located right in the middle of Manhattan? Well, if you can’t imagine your life without the bright lights and bustling crowds of the city, don’t worry. There are steps you can take to help offset the increased cost of owning a car in the city.
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First, try to keep your car in a garage as often as possible, especially overnight - many insurance carriers even ask you where you plan to ‘garage’ your car overnight. You’ll save money if you park off street. Second, try to take advantage of your city’s public transportation system as often as possible. The fewer miles you put on your car, the better it looks in the eyes of the insurance agents. Even if you live in the suburbs, you may end up paying more if you are forced to commute long distances each way – if that’s your scenario, you may want to look into carpooling. Finally, obtaining some sort of anti-theft device for your car can also help you save a few dollars on your car insurance premiums no matter where you live.
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Common sense goes a long way when it comes to city living and driving. At night, park in well-lit areas and try to stay away from alleys - although this won’t help keep your initial premium down necessarily, it could help deter thieves, which will keep your insurance from going up in the future. It’s always a good idea to do some research when you’re looking for your insurance. Find out from your agent specifically how where you live will affect the price you pay. Don’t be afraid to ask very detailed questions - sometimes something as seemingly obscure as the zip code in your part of the city can have a major affect on your overall rate.
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