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Old 04-24-2007, 01:48 PM
1,775 posts, read 7,203,782 times
Reputation: 777


Originally Posted by LauraC View Post
How does where I live affect my auto premium?

Where you live/keep your car impacts your chances of having an accident, or being a victim of theft or vandalism.

According to an insurance website, other factors affecting regional insurance rate differences include time and efficiency of police response, law enforcement (presumably this means preventative), local road and traffic conditions and the quality of local medical services. They also consider the litigation rates in a given area, that is, how many lawsuits are filed, go to trial, are settled out of court and for how much.

Yes i understand what your saying but in my opinion, it should be rated against the individual not a group of people. For instance if i had 3 break ins obviously i wasn't doing enough to prevent it. If have an accident, i probably wasn't paying attention to the other cars around me. I'm probably the most cautious driver you'll meet. What if i had an accident and an officer was passing by and was there in an instant? I mean I guess if one place is classified dangerous the entire surrounding area is classified dangerous. I hate to be classified in anything that doesn't pertain to me as an individual. I guess it's just another way insurances try to make that extra dollar or two.
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Old 04-24-2007, 01:54 PM
Location: Naples, FL & Monterey, TN
132 posts, read 508,788 times
Reputation: 57
2 years ago Homeowners Ins. in Florida - $1200
Last Year In Florida - $2800
This Year in Florida - $3900 (just went up this week)

Tennessee last year - $365
This Year in Tennessee - $425

Home in Fl is about 2000 sq ft
TN about 1700 sq ft
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Old 04-24-2007, 02:11 PM
1,775 posts, read 7,203,782 times
Reputation: 777
Is there a different where you live in TN like East side, middle or West side or do the rates typically run the same? I'll be in East TN when i move.

Jhubtin.... wow that is a huge difference. seeing figures like that sure makes me feel better. Our insurance is expiring in August as they are not renewing us so we're on the hunt for something now.
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