One of the key factors for auto insurers to calculate premiums is the area, usually by zip code, to where you live. You might find that simply moving from one side of town to another can change your rate. Often it is not a dramatic difference if you are in a similar area in the same town, but if you go from the country to the city, or vise versa, you will see a bigger difference.
Based on statistics from the Insurance Information Institute, you can find where you might relocate to save a great deal of money and net you a cheap auto insurance quote.
1. Virginia
District of Columbia borders the northeastern section of Virginia; therefore, the premiums are far more expensive around that area. Besides being for lovers, there are some areas in Virginia where residents experience the benefit of a cheap auto insurance quote.
A couple hours south of DC, lies the state capitol of Richmond where the residents' average annual premium is $1109. Due to the astronomical cost of living around DC, someone might find it advantageous to relocate to Richmond and work from home part time.
Roanoke is in the southwestern portion of the state; Virginia residents who have the higher cost of living in the northwestern areas of Virginia may find the same type of relief by relocating further south. Roanoke's average annual premium is $937, which is a cheap auto insurance quote compared to other states.
2. Ohio
The Buckeye state has several bustling urban cities like Columbus, Cincinnati, Cleveland, and Dayton. If you are an Ohioan, you will find better insurance rates on the western side of the state. You will probably find higher rates around the Great Lakes region.
Wapakoneta, Ohio, besides being vaguely famous as the hometown of Kent Boyd, runner up on "So You Think You Can Dance" reality show, is fairly evenly accessible to both Toledo and Columbus. With Wapakoneta's average annual premium of $1108, both Toledo and Columbus residents might be tempted to move and have an hour to an hour-and-a-half commute.
Fairfield, Ohio residents average $1111 annual premium and they are right outside of Cincinnati; about a 35 minute commute straight south.
3. Indiana
Besides being known as the "Crossroad of America," Lafayette, Indiana boasts an average yearly auto insurance premium of $1140, rounding out the #9 spot on the nation's cheapest auto insurance. A mere hour and fifteen minute commute can let Indianapolis worker's experience the lower rates, too.
Receiving a cheap auto insurance quote depends on your personal driving history and experience; however, the area you live in can have an impact as well. You wouldn't necessarily move simply to get a cheap auto insurance quote, but it can be part of the consideration when you take into account the lower cost of living and other factors.
