In the great, large country called the United States of America, technology and advancement have started to grace its lands. This has been happening for quite awhile now. But as time progressed, with insurance becoming a thing, car owners are beginning to get involved in car insurance. As there is nothing constant in any time or place, the insurance rates differ greatly in each of the fifty states. Most of the time, the insurance rates given to a driver depend on the average number of miles a driver goes. But now, many things have been affecting these rates.
What affects car insurance rates?
There are so many things nowadays that people cannot control at all. Among these is the weather. Some states are more prone to hurricanes than others are which can massively affect the state and its neighbours. While some are dealing with hurricanes, there are others dealing with great tornados, snow, and extreme heat. These weather issues eventually began affecting insurance rates as they can terribly hurt the cars. Other uncontrollable things like criminal activity also affect the rates now.
States and their car insurances
Ohio State is known to have many automobile insurance companies. This is a big factor for their insurance rates because to attract more insurers, they would lower their prices. This state is also one of the quieter ones where things aren’t really that expensive. The rates here are very much affordable annual one-thousand-one-hundred dollars only which is very much cheaper than what you think. Not too long ago, Ohio was put at the end of the list of the most expensive states.
At the top with some of the highest insurance rates would be Louisiana which calls for an annual average of two-thousand-two-hundred dollars. Known for being along the coast line that got hit by hurricane Katrina, this state would require its population to pay a lot for many things, car insurance included. The amount the people in this state spend for their car insurance is more than twice that of what other states like Iowa or Wisconsin have to pay.
Another state worth mentioning may be New Jersey where prices are very much high. Their average annual insurance paid is almost two-thousand dollars which is somewhat okay for this state. Another almost-two-thousand-dollar-annual-car-insurance-state would be California where the population is quite high. This famous and infamous state would call for a lot of attention as it has some of the best sights. Even Hollywood is there, so wow.
Also, keep in mind that you wouldn’t need to maintain paying high insurance rates if you keep yourself out of danger and accidents. You only should have to pay large amounts if you get into accidents where the insurance companies would need to pay for any, if not most, of the liabilities. So if you keep a clean driving record, you could be assured of cheaper insurance rates that other drivers in your state. you can always get car insurance comparisons in the internet anytime especially if you want to purchase full coverage car insurance.
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