Insurance rates are based on several different factors. Your age, your driving record, the type of vehicle that you own, how you use your vehicle and how many miles you drive annually are all factors that will affect your premiums in a positive way or a negative way.
One additional factor that can affect your rates in more than just one way is where you live. This is a major reason why you should take time to retrieve quotes before you move to specific state or city. Click here to learn more about affordable insurance in San Diego, and read on, and learn how your location can play a role in how much you pay for cover.
Insurance Rates by State
Every state has their own set of rates that have been approved by the state’s Department of Insurance. Insurance agencies are required to keep their filings update and to get approvals when they add new surcharges or when they are planning to roll out a new rate filing. This is the primary reason why you must obtain a new policy when you move out of state rather than just changing your address.
Rates Based on Your Zip Code
Another way that San Diego insurance agencies use where you live to calculate your premiums is based on the zip code where your vehicle is primarily parked. If the statistics show that claims are commonly filed in the area for vandalism or accidents, you may pay higher rates for physical damage cover. If the claims statistics are low, this could benefit you in the form of lower rates.
Your location can also affect your rates when you drive a lot of miles to get to and from work. Long commutes mean higher premiums. These are all factors that should be considered when you are relocating and shopping for insurance. Compare rates with various agencies, take advantage of discounts, and keep your premiums low.
If you live in San Diego or are thinking about moving to the area, find out how much you can save with American Tri-Star Auto Insurance. We offer free quotes and can help you enjoy low rates even with poor driving history! Call us at 619-272-2100 today.