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Old 09-28-2011, 02:40 PM
 
92 posts, read 94,906 times
Reputation: 55
Default Moved from Omaha to La Vista, car insurance goes up?

I knew car insurance went up if you moved from a small town to a big city, but the opposite?

Can anyone with any insurance insight explain this? Whats even more funny is the move was about 2 miles away (from 110th&Q to 115th&Harrison).

Why would the insurance increase if I move to a "safer" area, in a smaller town, only 2 miles away? Sounds like a scam to me.
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Old 09-28-2011, 04:31 PM
 
795 posts, read 704,140 times
Reputation: 190
It may be "safer" from a crime point of view, but it may have a higher rate of auto accidents.
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Old 09-28-2011, 04:55 PM
 
Location: South Central Nebraska
350 posts, read 329,351 times
Reputation: 273
Quote:
Originally Posted by Swarley55 View Post
I knew car insurance went up if you moved from a small town to a big city, but the opposite?

Can anyone with any insurance insight explain this? Whats even more funny is the move was about 2 miles away (from 110th&Q to 115th&Harrison).

Why would the insurance increase if I move to a "safer" area, in a smaller town, only 2 miles away? Sounds like a scam to me.
Shop around. I switched companies for lower insurance on my pickup and ended up switching companies again when I switched back to a car because the other company had lower rates on cars. Insurance is weird but if you look at quotes from a bunch of companies and they are all higher on your move from 110th & Q to 115th & Harrison then there must be something about auto accident rates etc put into the insurance co.'s formula. I don't want to know or I don't care to know I guess if I get cheaper insurance and I look around periodically to see if I'm getting the best deal - sounds like you may need to do the same.
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Old 10-02-2011, 08:54 PM
 
Location: Omaha, NE
305 posts, read 350,361 times
Reputation: 68
Maybe there were more instances of property crime in that area, which would affect insurance rates. Also, 115th and Harrison is most likely in an SID, so perhaps insurance companies assume that the Sheriff would be patrolling.
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Old 10-24-2011, 04:41 PM
 
Location: SE Nebraska
12 posts, read 23,993 times
Reputation: 13
That sounds fishy. When we moved from Peru, Nebraska (maybe 500 people) to La Vista, our rate didn't change. And when my sons moved from La Vista to Omaha, their rate didn't change. (We use USAA, but GEICO has a comparable price.)

I would recommend doing an online check for insurance rates--I really can't think of any reason it would go up.
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