• Date Started: Oct 9, 2006
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Car insurance premium way down...

5 Responses to “Car insurance premium way down...”

1. katwoman Says:
   February 12th, 2007 at 02:30 pm
   Premiums are determined, in part, by zip code (I know a programmer who works for a MAJOR insurer).
   
   Problem is, no one can tell you which zip code is most favorable!

2. kimiko Says:
   February 12th, 2007 at 05:43 pm
   I often speak with my insurance agent about this since I live smack dab in the middle of the most Unfavorable zip code area imaginable. Every other day, an accident occurred near my home and even if you have perfect driving record and live at the edge of the area, bordering an extremely safe area, you get dinged anyway. Maybe this is only in CA, but they recently passed a law that most insurance companies comply, except for Allstate, which wanted to increase premium by 12%, to charge premium base on driving history instead of zip code. So I'm hoping to do the happy dance pretty soon

3. monkeymama Says:
   February 12th, 2007 at 09:35 pm
   I think our doubled when we moved - blech. The worst was I read in the paper last year that State Farm, and others, were going to drop the zip code pricing practice. But I got my premiums with a nice note they had changed their mind. So we still pay double. It remains to be seen how the new law or whatever plays out. It seems most the companies are thumbing their noses at it - it is a Cali thing. I find it ironic that Sacramento has such a worse accident rate than the busy over-populated Bay Area, but yeah, the drivers are crazy and there are lots of big rigs and related accidents, etc. So the longer we live here the bigger picture I get why it costs more. Except as a safe driver I have somehow avoided accidents either place, so I think the safe driving record discount is well deserved over zip code.
   Anyway, I am jealous - LOL. That is GREAT though!
   
   You don't know how upset I Was to be married and 25, rates finally resembling some normalcy, just to move and have them go crazy - I had no idea!!!

4. fern Says:
   February 13th, 2007 at 09:38 am
   Yeah, higher density, more urban areas tend to have more accidents so you must've moved to a more suburban area. It also matters a great deal how much you drive your car annually. If you don't need to use the car to get to work, so much the better, you can claim "pleasure driving" only and that drives your rate way down, too.

5. LuckyRobin Says:
   February 14th, 2007 at 10:21 pm
   I hate the zip code thing. About five years ago our house changed zip codes when we became incorporated into a different city, based on which post office we were closest to. Now mind you we were still living in the same house, nothing had physically changed, but our insurance quadrupled. And the thing that annoys me most is we don't actually live in either city, we live in the rural area between them. We don't use that inusrance company anymore because they refused to see reason.

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