When it comes to insurance, customers are not equal. Your premiums for auto insurance vary according to multiple factors. One of these factors is location. Where you live has an enormous effect on the price you pay.

Your zip code really matters when it comes to safety and insurance rates. Rural drivers are more likely to die in motor vehicle accidents than urban dwellers. You and your friend may live just a few miles apart, but if you are in different states, your auto policy rates will probably differ. Where you live is a significant factor in your insurance expenses each year. And while changing locations may not be an option, you can always compare rates on Insuraroo to get the best deal possible.

How Location Affects Your Insurance Premiums

Whenever insurance companies issue a policy, they make a bet that they will make more money from you than they will have to payout. They look at many things that will affect this bet. Age and health are two big factors in all types of insurance. If you are older, you can expect to pay higher healthcare, auto, and life insurance premiums. Insurance companies know that older people die at higher rates than younger people, that they tend to have more motor vehicle accidents and that they will need more health care than other age groups.

Where you live helps determine your life span, physical health and accident rate as well. It particularly influences auto insurance rates. Rural drivers do have more fatal accidents per mile than those in the city, but urban drivers often pay more for auto insurance because they are on the road more and face higher rates of theft, car accidents, and vandalism. Entire states have higher insurance rates than others. Those who live in Michigan can expect to pay around $4,000 per year for full coverage.

Your location affects how long you will live. People live longer in Hawaii, California, and Washington than they do in some other states, which can affect their auto insurance situation. Large numbers of older drivers on the road mean more automobile accidents. Remember, insurance companies live and die on

How to Save on Insurance

Not everyone can move to a new location to save money on their auto insurance policy. That's why you need Insuraroo, an insurance website that lets you compare rates from many well-known insurance carriers simply by filling out a simple form. In just a few minutes, you will be able to comparison shop for your coverage, ensuring that you do not pay more than you should. Insuraroo is fast, simple, and effective. We want to save you money, no matter if your zip code is 90210 or 62301. Try our site today and reduce those premium prices. (I don't have the website link.)