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OfflineHerbologist
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Re: Cheap car insurance [Re: Acaterpillar]
    #23841407 - 11/17/16 11:37 AM (7 years, 2 months ago)

Quote:

Acaterpillar said:
Quote:

Herbologist said:
Don't forget that where you live plays a big roll in auto premiums.  If you live in a big city, you are already going to have higher premiums than someone who has the same coverage but lives in a small city or town.

There are too many factors involved to compare your premium to someone else's.  I sell insurance and have to explain this to people very often.



How long would I have to live somewhere before I could claim it as my residence for insurance?





I'd say that depends on your state.  I don't think you need to have actual residency in that state to get insurance. I just wrote a policy on an newly retired couple who decided, out of the blue, to move to my state and live here so I know that they dont have residency in this state and our carriers had no problems. A lot of carriers don't even ask that question from what I've seen.  They just want to know a prior address if you have lived somewhere for less than 3 years.

"Oh you want to insure your home?  New purchase? Ok, no prob whats your prior address".  They'll also ask if its a primary or secondary home. 


As for the auto portion, I never see that question asked either.  At most, again they'll ask if you lived somewhere less than 3 years or if you rent/own.

If you're trying to insure a vehicle in a particular state in will need to be registered in that state though.


Sorry, I know that doesn't really answer your question but hopefully it helps.


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OfflineAcaterpillar
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Re: Cheap car insurance [Re: Herbologist]
    #23841446 - 11/17/16 11:46 AM (7 years, 2 months ago)

I was asking more about city location, since it seems like rural cities pay less.
I'm planing on moving to a smaller city located between Fort Worth and Dallas and was curious what it would take to get the lower rate.


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OfflineHerbologist
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Re: Cheap car insurance [Re: Acaterpillar]
    #23841457 - 11/17/16 11:50 AM (7 years, 2 months ago)

Quote:

Acaterpillar said:
I was asking more about city location, since it seems like rural cities pay less.
I'm planing on moving to a smaller city located between Fort Worth and Dallas and was curious what it would take to get the lower rate.





Oh okay.

You don't need residency to purchase insurance somewhere.  You will have to wait and see what the rates are.  You could always call ahead to an agency in that area and get a quote or quote yourself within a direct carriers website and just put the address you are planning on moving to.  That might help with comparing premiums.  Just don't forget to register your vehicle in that state once you move.

I had a couple from rural Iowa who were paying around $350 a year for 2 vehicles, high limits, low deductibles, etc.  They came here to the large city I am in and their premium went up to around $800-900 a year, simply because of location.


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Offlinetoader123
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Re: Cheap car insurance [Re: Herbologist]
    #23841816 - 11/17/16 01:42 PM (7 years, 2 months ago)

I pay $130/month for full coverage through state farm. I'm paying a lot less than people I know, so that must be pretty good for my area. I was paying double that amount until I turned 25. I've also used ghetto insurances in the past, but I've found that you can get a better rate through larger companies if your record is good.


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Invisibletyrannicalrex
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Re: Cheap car insurance [Re: toader123]
    #23844427 - 11/18/16 07:52 AM (7 years, 2 months ago)

does a speeding ticket effect the rates? (not to you in particular)


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Invisibleazur
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Re: Cheap car insurance [Re: tyrannicalrex]
    #23844439 - 11/18/16 07:56 AM (7 years, 2 months ago)

If you get points from it, yes.
With speeding tickets, it's best to go to court and ask the judge to not give you any points and pay your fine. If you just pay your fine, you will get points and your insurance rates will be affected.


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OfflineLogicaL ChaosM
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Re: Cheap car insurance [Re: tyrannicalrex]
    #23844441 - 11/18/16 07:57 AM (7 years, 2 months ago)

I believe so. Car crashes do too increased rates. As well as being young.


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