If you are complaining about the high price of vehicle insurance, then you are not alone.  If you are not from highly urbanized areas, you can stop whining as there are other locales that have very high car insurance rates than yours.  Picture out the bumper to bumper traffic in Manhattan; the congested streets of New Jersey; and the crowded highways in Washington- these conditions make for very high prices of automobile insurance in these areas.

The highest priced auto insurance is found in the highly congested streets in the northeast corridor.  The top average car insurance rates by state are in New Jersey, New York, Washington, D.C., Rhode Island and Massachusetts.  The average car insurance rates by state for the top 3 states mentioned is more that 00 yearly.  This is basically 100% more than the premium rates paid by motorists in Iowa, Maine and Idaho; and one-third higher than the average for the whole country.

New Jersey took the first place as the state with the highest cost of automobile insurance at ,182.54.  New York is not far behind with ,161.27.  At ,156.23, Washington, D.C. placed third.

The following, on the other hand are the states with the lowest average car insurance rates by state. Iowa offers an average of less than 0 for car insurance, while Maine and Idaho following close behind with just a few dollars added.

The average for the entire country is just about 7.43- more or less equal to New Mexico’s and Texas’s rates.

There are a numerous factors why these figures are such.  For one, if the state has a healthy and stable economy, more citizens will be able to afford more expensive cars and new vehicles.  We know that the type of car affects the price of the insurance.  The more expensive the car is, the higher is the cost of its insurance.

As mentioned above, it also matters whether the area is urbanized or not.  It could be noted that the states with low insurance rates are more rural than urban.  Their populations are relatively lesser than those at the top of the list.  The more crowded the road gets, the higher the probability of mishaps, thus, the more expensive the insurance becomes.

You may say that the insurance premium you are paying is not reflective of your state’s average.  Remember that the price of your insurance depends on a lot of factors that are unique to you.  Your insurance cost could be higher or lower depending on your coverage, deductibles, discounts, your age, car type, and others.

Question by Maria e: Will my car insurance rate rise if someone on my policy gets in an accident?
If I add someone onto my car insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.

Best answer:

Answer by the700
It will climb. As to the second person- maybe. You can remove them, but your rates may still go up. Some have a one accident forgiveness thing, unless it is someone who is young- 25 or younger.

Add your own answer in the comments!

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Average Car Insurance Rates By State – States with Highest Price of Car Insurance

How does one find the cheapest Florida car insurance quotes online? What factors are used to determine Florida car insurance rates in the first place? What are the State of Florida’s minimum required car insurance coverage amounts? Understanding the answers to these questions can make all of the difference in the world between having a great rate with the protection that you need and making a costly mistake. Read on to learn some quick and easy ways to better understand your Florida car insurance policy and hopefully save yourself some money in the process!

carmobile insurance can be a very difficult thing to understand in today’s world. There are many types of coverage that a person has to have, the requirements change from state to state and most importantly nowadays the car insurance business is basing the rates on credit reports! Although that doesn’t make sense to a lot of people it is important to understand that premiums and rates don’t make sense to many Americans. Most people buy insurance not knowing of their options and they don’t take the time to read about the industry and the things they can do to save some money. Before purchasing car insurance you must know that the minimum requirements change from state to state, that there are many different ways in which you can save money even when your coverage is not that expensive and that your type of car will affect your rate more than your driving record.

Another assumption of people through the United States is that most of the population in this state can be found in the populated city of Seattle, Florida. That unfortunately for the people making this claim, is also a myth. According to the United States Census Bureau, Seattle only held about 560,000 people in the year 2003. This means that residents of this state are scattered all around and this is one of the reasons that people in Florida paid a higher average in carmobile insurance premiums than the nation’s average in the year 2003.

Other reasons for the higher premiums in this state are the damages caused to the cars by the weather. Snow can do little things such as messing up the car’s paint and make dents on the body of the vehicle, but it can also freeze the engine and give you many battery problems. Another assumption about the high rates in Florida can be linked to how dangerous the roads are when it snows. In freezing weather the roads become icy and drivers are more likely to lose control of their cars under these conditions.

To prevent chaos and just like any other state in the country, Florida has a mandated coverage that all residents need to have before sitting behind the wheel of a vehicle. The mandated coverage for people living in this state is called a 25/50/10 coverage. Although it can be a little confusing, with a little bit of explaining a person will know exactly what we are talking about. A person driving on the roads of this Northern state must have ,000 of bodily injury per person and ,000 for bodily injury in total after an accident. In addition to this the person must also have a ,000 property damage liability coverage to make sure they can pay damages after an accident. Because Florida uses what is called a “tort system,” one of the people involved in the accident must always be found at fault. After this takes place the person who had fault in the accident and his or her insurance company will be responsible of paying for the damages caused by the accident.

It is important to understand that people in this state do not have Personal Injury Protection (also called PIP) as one of their mandatory coverage. PIP helps pay for medical expenses to you and the passengers of your vehicle if you get into an accident. The law also does not require a person to have uninsured/underinsured motorist (also called UM/UIM) coverage which pays for your damages in the event that you get into an accident with a person that doesn’t have insurance, or that doesn’t have enough insurance to cover for the accident. It is important to mention however, that a person can call their insurance company and ask for these types of coverage to be added to their policy.

Although the weather is not good when it comes to carmobile insurance and the rates in Florida are over the nation’s average, there are still many different ways in which a person can save some money on their Florida car insurance rate policy. Perhaps the most important thing a person must do before deciding on signing a policy is to shop around for the best price. Once you find the best prices policy you will be starting with the right foot.

If you are doing the shopping online you can go to comparison websites that will give you the quotes from many different insurance companies. Just fill out your information and you will have access to many different quotes (depending on the website you visit). Be sure and closely compare Florida car insurance quotes from top companies alongside one another to see which policy will best meet your specific needs. If on the other hand you are doing the shopping in person make sure to visit about three insurance companies and ask for quotes. Always remember that you are the customer and the agents are trying to get you to sign up with them, so use this to your advantage (don’t be afraid to negotiate!).

Last but not least it is important to mention the discounts as money saving opportunities that will allow people in the state of Florida to get lower prices for car insurance. Although discounts vary from state to state and from company to company there are a few that can be found most of the time. The safety feature discount (good one for bad weather states) allows you to get your rate reduced if you have alarms, anti-lock brakes, air bags, carmatic seat belts, etc. The good driver discount allows you to save some money if you have had a perfect record for the last three years (no accidents of traffic tickets).

Perhaps the car insurance discount that will be best for people in Florida can be the low mileage discount because the less you drive the less your chances of getting into a car accident (especially in bad weather!). There are many more discounts like the defensive driver course and the good student; but you have to check with your Florida car insurance company to see if they are available through them.

As you can see people in Florida don’t have it too bad when it comes to carmobile insurance. Although they have been paying a lot of money in the past, it is never late to start saving money and getting better deals. Always try to look for money saving opportunities because they will always be present. If you live in Florida now you know the mandated coverage, as well as what coverage is optional, and the ways in which you can get a cheaper quote. Just follow this article into success and you will be paying less than expected in car insurance at the end of the day.

Question by Composer: What is a fairly average car insurance rate when a you add a new driver in the family?
A family member is getting ready to get their license, and I wanted to know if car insurance rates would go up, and what a likely rate would be.

Best answer:

Answer by Gabriel
Way too many factors to take a decent guess. When I got married my insurance went down considerably, we went from about $ 150/mo each to $ 200/mo combined. So, in that instance, adding a driver reduced our rate.

Adding a 16 year old to a policy that was previously rated for two adults would have much different results though – depending on the company, your location and the car’s value and performance, it could go up by as much as $ 200/mo or more.

No way to know without making a phone call to your insurance company though – just pick up the phone and call. Most companies can answer this type of question down to the penny in less than 10 minutes. If yours can’t, maybe it’s time for a new company.

What do you think? Answer below!
Car insurance rates to rise
In the coming year, Texas drivers will see a 2 to 3 percent increase in automotive policy rates in order to cover additional liability limits mandated by a law passed in 2007, said Chris Magana, a Farm Bureau Insurance agent in Temple.
Read more on Temple Daily Telegram

autoinsb.com For many people, auto insurance looks like a choice, and not actually a necessity. Free Auto Insurance Quotes. For someone who owns a car, it is actually a necessity to be protected in regards to your vehicle. For many states, auto insurance is mandatory and necessary in order to have a car and register it. Having vehicle insurance protects all other drivers if there is an accident. Until you see that you have been in a car collision and suddenly are paying thousands of dollars, you don’t see that having auto insurance is actually a good thing.

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How to Succeed in Finding the Best Florida State Car Insurance Rate

Over the last decade, the economic recession and natural calamities like Hurricane Katrina have significantly changed the way insurance firms function. And most importantly they have also been toying with coverage rates, especially in the property (both houses and real estate) sector. Therefore, it is important for you to analyze and understand the reasons that affect your home insurance rates. Once you fully comprehend what kind of issues may increase or reduce your coverage policy premiums, you will be ready to make a better investment decision, especially as a substantial part of your income is spent on procuring a coverage plan.

As per a 2007 survey, Florida took over the top spot from Texas as far as home insurance rates were concerned. This had nothing to do with Texan residents as in that state the coverage plans increased by 3%. However with Hurricane Katrina causing havoc in 2005, the home coverage rates in Florida have jumped to over 5 times when compared to Texas!

So what are the actual reasons that influence coverage rates in general? Here is a brief overview:

* Geographical Placement – If you live in a risk-prone area, especially in a region which is continually under the threat of natural disasters (floods, hurricanes, earthquakes etc), home insurance rates are bound to be higher than normal terrains. Nascent regions with a past history of large-scale damage also demand a much higher coverage plan.

* Safety Issues – The more protected and damage-proof your property is, the better your coverage plans will be. Apart from regular threats like fires or flooding, burglary also has to be curbed to convince your cover provider into cutting down on the premiums.

* Credit History – If your credit history is safe and consistently up to the mark, the next coverage provider may offer you lower premiums. However, this includes a lot of details that you may have deemed unimportant, such as the number of accounts you have opened, credit history length, as well as the amount you owe in other accounts.

So if you had been sitting in Colorado and wondering how your home coverage premiums have climbed so steeply, the above points may have given you an idea.

You can also refer to sites such as Home Insurance Quotes, which offers comparisons and information on different home insurance rates of firms online.

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Florida Is The Most Expensive State To Buy A Home Insurance In! So What Does Affect Your Home Insurance Rates?

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