Call Us (281) 351-2880 ☰ ˟
Established in 1995
Logo
(281) 351-2880
  • Home
  • Get A Quote
    • Auto Insurance
    • Commercial Auto Insurance
    • Flood Insurance
    • General Liability Insurance
    • Home Insurance
    • Life Insurance
    • Renters Insurance
    • Umbrella Insurance Quote
    • Workers Compensation Insurance
  • What We Offer
    • Tomball, Texas Insurance Solutions
    • Why Work With an Independent Agent in Cypress, Texas
    • Magnolia, Texas Insurance Solutions
    • Cyber Liability Insurance
  • Refer A Friend
  • About Us
    • About Insurance Discounters of Texas
    • Reviews
    • Employee Directory
    • Our Location
    • Privacy Policy
  • Blog
  • Contact
    • Contact Us
    • Join Our Newsletter
Home Insurance Auto Insurance Motorcycle Insurance Boat Insurance Business Insurance Health Insurance
Home > Blog > Why Does My Zip Code Affect My Auto Insurance?
WEDNESDAY, FEBRUARY 26, 2020

Why Does My Zip Code Affect My Auto Insurance?

Auto InsuranceWhen you first talk to your auto insurance agent, chances are that your zip code will be the very first thing they ask you for. There are some exceptions. But, in general, this is the case.

So, how does your zip code affect your perceived risk? And why is it so important to car insurance companies?

Traffic

The most obvious part of the equation is traffic. If you live in the heart of the city with multiple freeways criss-crossing every which way, you probably see share the road with more cars in a day than someone in a rural area encounters in a week. More cars means more accidents, and those accidents show up on your insurer's analysis of your neighborhood.

If you live in a quiet, secluded part of the state, you have fewer vehicles to share the road with. That reduces the risk of accidents. So, you naturally pay a lower rate because car accidents are less common in your area.

There are exceptions to the urban/rural rule, of course. After all, your insurer is using number of accidents in its calculations — not strictly population data. There are certainly some dangerous rural areas and some safe urban areas. But, by and large, you can expect to see a lower rate if you live away from the city.

Theft And Vandalism

Besides traffic accidents, car owners and their insurers also must contend with the risk of crime. If you have a lot of car thefts in your area, you'll be paying a little more for car insurance — simply because that increases the likelihood that your car might be the next one stolen. The same goes for vandalism and break-ins.

Your zip code helps car insurance providers to determine your risk based on certain factors that are out of your control. A clean driving record and a high credit score reflect well on you. But, as we all know, you only have so much power over what happens out there on the open road. Dense populations generally mean more traffic and more crime, and your zip code is a relatively easy tool for your insurer to use to calculate your risk of both.
Posted 1:24 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018

  • insurance(31)
  • coverage(21)
  • insurance discounters of texas(12)
  • auto insurance(11)
  • business(10)
  • commercial(10)
  • home insurance(10)
  • policy(10)
  • renters insurance(8)
  • liability(6)
  • flood insurance(6)
  • car insurance(5)
  • bop(4)
  • auto(4)
  • owners(4)
  • motorcycle insurance(3)
  • homeowners(3)
  • homeowners insurance(3)
  • accident(3)
  • home(2)
  • protection(2)
  • car(2)
  • employee(2)
  • motorcycle(2)
  • builders(2)
  • workers(2)
  • general(2)
  • compensation(2)
  • boat(2)
  • risk(2)
  • vehicles(2)
  • damage(2)
  • commercial auto(1)
  • workers compensation(1)
  • requirements(1)
  • epli(1)
  • event(1)
  • weddings(1)
  • claims(1)
  • budgeting(1)
  • belongings(1)
  • professional liability(1)
  • commercial auto insurance(1)
  • ommisions(1)
  • independent insurance agent(1)
  • auto policy(1)
  • premiums(1)
  • stolen cars(1)
  • rates(1)
  • afford your first apartment(1)

View Mobile Version
Facebook
Twitter
Google+
Get Directions
Contact Us Today
Resources
About Us
Products
Customer Service
News
Refer A Friend
Our Carriers
Blog
Contact Us
Contact us 906 W Main Street
Tomball, TX 77375

O: 281-351-2880
F: 281.255.6867
© Copyright 2019. All rights reserved. Powered by Insurance Website Builder.