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Yolanda Said:

i moved from one city to another same state ,does it effect my auto insurance rates?

We Answered:

Actually the garaging zip code (were you keep your vehicle) is one of the areas that is look at in order to provide you with your rate. You need to call your insurance carrier to inform them as soon as posible.
If you cancell the policy mid term and there is any unearned premium, that should be return to you.

Ethel Said:

Does a 50/50 auto insurance settlement hurt my insurance rates?

We Answered:

It depends if you have any other claims on your record. It may also depend on what state you live in. In NY you have to be found 66 2/3% at fault and the company must pay out $1000 in order for them to surcharge your policy---NY State Law.
Go to your states Insurance Dept website and see what it says for your particular state.

Nathaniel Said:

What are auto insurance rates based on and why do some companies cost more than others?

We Answered:

There's many criterias insurance companies factors in for price. Here are a few (in no particular order)...

- Driving record

- Age

- Years licensed

- Vehicle

- Zip code

Some companies will specialize in certain risks. For example, Company A specializes in younger drivers while Company B specializes in older drivers, and the prices reflect that. They usually file with the state's Department of Insurance, and the insurance company will state their case to them, and the DOI will determine whether the pricing is fair for other carriers to compete with.

Lisa Said:

What company has the best auto insurance rates for people with speeding tickets?

We Answered:

Every company has accident forgivness Allstate jsut has a clever marketing campaign. If you have speeding tickets it does depend on your age and what you drive. If your a younger person your gonna find it hard to find a good rate anywhere. If you over 25 you can try pretty much anywhere if all you have is a few speeding tickets.

Good luck in your search

Andre Said:

How and why do the British put with with ridiculous auto insurance rates?

We Answered:

Just driver over there and you will see why.