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by: ChimpuricheChihunrumnanya
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Word Count: 347

The fact that a person's zip code affects his/her auto insurance rate isn't as apparent as the effect it has on their home owners' policy. But it does have a huge effect.

Those who know this and understand how to use it to their advantage pay a lot less. This is because they factor this in when buying a new home. This results in huge savings over a few years. Here's why...

1. The distance of your home from places you frequent is important. It has a great impact on your annual mileage. And we all know the effect of mileage on rates.

Take your place of work as an example: If your home is 10 Km from your office and you drive there five days a week, you'll accumulate twice as much mileage as your neighbor whose office is just 5km away.

Furthermore, living in a city that does NOT have a standard mass transit system will force you to drive more often. Apart from the fact that this will raise your mileage, it will also increase wear and tear which in turn will have an impact on your auto insurance rate (at least in the near future).

2. What do you think an insurer would do if police records show that your area is prone to crimes like car theft and vandalism? They'll certainly factor this in when calculating your car insurance rate.

So when next you're moving house, take some time out to calculate these other issues. The little savings you thought you made on the home might be totally wiped out by the higher auto insurance premiums you'd have incurred.

What if you're NOT about buying a new home? Thorough comparison shopping will show you insurers who factor this less than others when calculating your rate. This will you help you find cheaper rates.

And, if you're shopping for a home, it will be a smart idea to also compare auto insurance quotes for the different zip codes. Remember, if your zip code adds $250 to your annual auto insurance premium, you'll pay $5,000 extra over the course of 20 years!

About the Author

Following are my favorite pages for low cost auto insurance quotes: Low cost auto insurance quotes and Cheap car insurance quotes. Chimpuriche Chihunrumnanya writes on insurance.

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