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Car insurance quotes vary so much. Why is that?

There's a very sad fact of life. No matter how you try, you cannot change the state in which you were born. But, all other things being equal, there will come a time when you are old enough to make decisions for yourself and you can move to any other place to make your home. This can be purely economic, i.e. you go where the work is to be found, or you go for a better and more comfortable life. So if we start off at the lower end of the scale, you could find yourself living in an area with what the insurance industry considers a bad ZIP code. This refers to the high rates of crime which may affect both home and Car insurance rates. If you want lower premium payments, moving to an area with a better ZIP code is the answer. Of course, this will mean you will pay more to buy or rent a home, but it will cost you less to insure your vehicles and the home.

This same effect also applies to states. Because of the urban rather than rural environment, high rates of fraud in states like Florida or the adoption of no-fault insurance, it can be significantly more expensive to insure your vehicles in some states than others. Although it's very unlikely you would ever change states just because of the insurance payments, it can be one more factor to bear in mind when deciding where to move to. If you have a choice, always move to a state where it will cost you less to insure.

This raises the question of how much you can save. Recently, the Insurance Information Institute did a survey on rates. It created a profile for an average male driver. He was aged 40, paid a deductible of $500 and had only a modest commuting run to and from work. This was used as the basis of applications for quotes from insurers in all the states of the union, driving a variety of different makes and models in the middle range. The quotes were then averaged by state and put into a ranking order. If you are this average man and live in states like Maine, you are likely to pay less than $1,000 a year to buy the usual amount of cover. But if you live in Louisiana or Michigan, the same cover will cost you around $2,500. When you look at this in cold terms, it's amazing the difference should be so great. But that's the way the numbers come out. The Car insurance quotes come in written form. They are automated and so not specially created for a particular effect. So when you are getting your next set of car insurance quotes, think very carefully about where you live and check out how much you might save with a different address.


Types of Car Insurance


Insurance coverage for vehicles is as varied as the vehicles themselves. It is always best to understand the different types of insurance for your vehicle so you'll know what you will get in case you got into an accident. The law also requires that anyone who owns a car must have an insurance. The premium that you will pay largely depends on several factors like your gender, age, make and model of your car, and more.


How Does Car Insurance Work?


Car insurance is one thing that all car owners should have. While not everyone wishes that they will use it, the knowledge that insurance covers you and your vehicle for any accidents will give you peace of mind while driving. Vehicles' insurance coverage does not only include payment for the damages on the car but an assurance for your medical fees as well. Properties that are damaged by the vehicle involved in the accident are also covered. In short, insurance coverage for cars protects the owners from unwanted expenses that may be incurred should an accident happen.


Cheap Car Insurance
through Car Maintenance


Car insurance premium can really burn a serious hole in your pocket. There are, of course, ways on how you can keep your insurance premium low. The best way to do it is to properly maintain your vehicle and keep it in tip-top shape. This would ensure that your vehicle is always running at its best and will reduce the chances of accidents. In most accident cases, 5% of these incidents are caused by faulty engines or tire blowouts—situations that could have been avoided with the right car maintenance.