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Insurance Pricing:The Impact of Where Your Live in Premium Costs

Car Insurance in Urban Areas

If you live in an urban area, you can expect to pay more for car insurance. Generally speaking, a car insurance company sets premium rates for drivers in urban areas higher than in more rural locations.

The reason behind these higher rates in urban areas is fairly simple. A driver in an urban area runs a higher risk if being involved in a car accident than does a driver in a more rural area.

Car Insurance in Rural Areas

Overall, a consumer will spend less money on car insurance if he or she lives in a rural area. The reason that car insurance premiums are not as high in rural areas generally speaking rests on the fact that the incidence of car accidents in rural areas is less than what is experienced in urban quadrants.

In some instances, the cost of premiums associated with cars driven in more rural areas actually can be rather significant. You do need to note, however -- and as will be discussed in a moment -- there are other factors beyond location that effect he costs associated with car insurance premiums which also must be taken into consideration by a consumer looking for more economical car insurance.

Summary & Conclusion

If you have any additional questions about your car insurance premiums, you will want to contact your car insurance company, you car insurance agent or the insurance commissioner in your state.