Location is a big factor when it comes to the price of car insurance. So, if you are looking to save money on car insurance, then it is advised to stay away from the 3 most expensive cities for car insurance premiums. Of course, when you hear which cities, they are you will probably not be very surprised. Not only are they the highest priced cities for car insurance, but they are also higher on almost everything else. The main factor that can drive car insurance rates higher is the amount of congestion on the streets, which makes accidents more common. Higher crime rates for things like stolen cars can also drive insurance rates through the roof.
Detroit Michigan is the most expensive city for insuring your car, with an average price of five thousand, eight hundred dollars, for a normal insurance policy. Who would have thought that the city where cars come from would be the most expensive place to own one? The second highest is New Orleans with average premiums at three thousand eight hundred dollars. Then there is Philadelphia, where insurance agents charge thirty five hundred dollars for car insurance.
On the other hand, two of the three lowest price cities for car insurance are in Ohio. Wapakoneta prices are eight hundred and sixty five dollars, and Fairfield insurance premiums come in at nine hundred fifty dollar average prices. Portland, Maine is not far from those prices with nine hundred and fifty three dollar insurance policies.
There are some things you can do to lower your insurance prices, no matter where you live. The main way you can save on car insurance is to raise your deductable to the highest affordable amount. Just be sure to have that much in savings, in case something happens. Ask and you shall receive also applies to discounts on auto insurance, so do not be afraid to ask for discounts when you are on the phone with your agent. Another great way to save money on car insurance is to shop around on the Internet. There are many sites that take your information, and then submit it to local insurance agents, so they can compete for your business.
If you live in one of the 3 most expensive cities, one way you can save thousands of dollars is to move to a different town. If that is not an option for you, then make sure you can qualify for as many discounts as possible. There are also sites that will tell you about the different discounts that insurance companies offer, if you need to look into that. Hopefully you have gained enough information here to begin saving money on your car insurance. Drive safe!