Cities with the Highest Auto Insurance Quotes

If you’re shopping around for auto insurance quotes, chances are you’ve learned a few things. You know there are lots of steps you can take to lower your rate. Never being in an accident certainly helps, so you always drive carefully. You trust yourself as a driver, so you want a policy with a high deductible. You picked a “low risk” car with a lot of safety features, like antilock breaks and airbags. You even started walking to work so you can get a low-mileage discount. In short: you know your stuff!

Unfortunately, there are some things working against you that you can’t control. Your age and gender can both increase (or decrease) your rate, as can the number of years you’ve been behind the wheel. And unless you’re looking to move, you location is also on the “can’t control” list. Where you live has a significant impact on how much you pay for car insurance. If you’re in a suburban or rural area, your rates will likely be lower. If you’re in the city, you will pay more for insurance. This is true of most urban areas, but some cities are more expensive than others. Here a few of America’s most expensive cities for auto insurance.

Detroit, MI. In 2011, the average car insurance premium rate was almost $6,000 in Detroit. This is partly due to the state’s no-fault insurance system, and partly due to the high vehicle population.

Philadelphia, PA. In 2011, the average car insurance premium rate was just over $4,000 in Philadelphia. This is due to a high vehicle population and overcrowded streets.

New Orleans, LA. In 2011, the average car insurance premium rate was almost $3,600 in New Orleans. The reason for the astronomical insurance rate is a little different in this city; it’s due to judicial ruling. In the state of Louisiana, claims are settled out of court unless they total over $50,000.

Miami, FL. In 2011, the average car insurance premium rate was almost $3,400 in Miami. This is partly due to a high number of fraudulent claims, and partly due to the state’s no-fault auto insurance system.

Newark, NJ. In 2011, the average car insurance premium rate was almost $2,900. This is primarily due to the state’s no-fault insurance system.

Of course, this works in reverse, too. Just as some cities have astronomically high rates, other areas are lucky to have extremely low rates. When shopping around for auto insurance quotes, you’ll find the best prices in Bullhead City, AZ; Chloride, AZ; Oatman, AZ; Pine Point, ME and West Scarborough, ME. All of these cities have average premium rates between $730 and $735.

Auto Insurance Quotes and the Weather

People tend to be more unhappy in the winter. Early sunsets, cold weather and grey days all take their toll, and the inevitable slip-and-fall on the ice can ruin even the best of days. And it certainly doesn’t help when you add a car accident to the mix.

Yes, auto accidents are far more common in the winter months, due in large part to poor visibility and slippery roads. As if that weren’t enough to deal with, there’s the increased risk of damage being done to your car even when you’re tucked away inside, enjoying a cup of apple cider by the fire. Weather is unpredictable, and a blizzard or hurricane can cause significant damage to your vehicle within seconds. So if that happens to you, what happens to your insurance?

Well, there’s good news and bad news. The good news is, your premium is unlikely to go up due to a natural disaster at least not the first time. Weather damage is included in your comprehensive insurance, along with theft or damage done by animals. Most insurance companies won’t punish you for filing your first comprehensive claim. After four or five claims, though, you may start to see higher auto insurance quotes.

The bad news is, if you live in an area prone to bad weather, chances are you’re already paying for potential damages. If you frequently see hurricanes, blizzards, high winds or flooding, your insurance company already knows and is prepared for it. How do they prepare for it? By charging you extra.

Where you live always impacts how much you pay for insurance. In general, auto insurance quotes are higher for people living in urban areas. This is because a greater population means a greater accident risk, and because it is far more likely that you will be the victim of theft or vandalism. But, being in an urban or rural area isn’t the only factor. If your area often sees bad weather, you are paying for it with a higher insurance premium.

No matter how careful of a driver you are, there are some factors affecting your auto insurance that you can’t control. Your age and gender are probably the most well known, but the weather also holds a prominent position on that list. Even if your car is never the victim of a knocked over tree, you will pay more just in case it happens someday. Of course, this can also work in your favor if you are the one whose car got crushed during the last big storm. A damaged vehicle is never fun, and the hassle that follows can be exhausting. Fortunately, you don’t have to worry about increased auto insurance quotes on top of everything else.

If you want to retain your cheap auto insurance quotes, protect your credit score

It would be good to believe the world always works the way you expect, i.e. in a way that’s basically fair. Except, if you choose to believe such a thing, you will nearly always be disappointed. More importantly, by not protecting yourself, you are opening yourself up to potential losses. Take auto insurance as an example. Perhaps in a perfect world, all the focus would be on you as a driver. The insurer would look at how well you have been driving, whether you have made any claims and, if so, how much the insurer has had to pay out. You might believe the insurer uses each person as an individual profit center. So if you pay $1,000 for ten years and there’s only one payout of $1,000, the insurer has made a gross profit of $9,000 on you so that should earn a loyalty discount and premium rate reductions to celebrate. Except that’s not how insurance works. Everyone pays into a central fund. No one is counted as an individual profit center. The profit is calculated by looking at whether there’s enough money collected in the fund to pay all the claims plus the administration costs.

Put another way, the insurers do look at you as a person but the focus is not just on you as a driver. The idea is to make an overall assessment of you as a “responsible” adult. Based on the statistical evidence, insurers take the view that people who are not responsible in the management of their money are less responsible when driving on the road. The cold reality of this view is to penalize people who are already struggling with their finances. Indeed, it specifically targets the poor and marginalized members of the community who may, through no fault of their own, miss a payment on a debt or make one or more payments late. This does not make them dishonest nor does it bear directly on their ability to drive. But making such people pay higher than average premium rates is distinctly unfair. These people probably live in parts of a town or city not well served by public transport. Without access to a car, they cannot find and keep a job. This locks them into poverty unless they take the risk of driving uninsured. If they are caught, they are criminalized.

No matter what your financial situation, you must ensure your credit score is at least accurate. You have a legal right to a free copy of your credit history. If you find mistakes, you have the right to correct the record. If your score improves, the next car insurance quote will be lower. To ensure you get the best rates, use this site to get comparative car insurance quotes. Only if you are proactive on this issue can you protect yourself, particularly in more expensive no-fault states. Remember this site delivers Florida car insurance quotes free of charge. You can quickly see whether you are paying too much.