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Car insurance rates for Alameda County, California, differ by a margin of $1,570

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Zimlon conducted a recent analysis of car insurance policies for Alameda County, CA, and found that the cheapest premium rates are $960, paid by unmarried men and women without any history of traffic violations. On the other hand, the most expensive premiums are for married couples with one driving ticket each, starting at $2,590. For this comparison, Zimlon examined data from the 2018 California Department of Insurance report, for automobile insurance.

The vehicle standardized for unmarried drivers was the Honda Accord, with a yearly mileage of 12,600-15,000. For married-couples, the vehicle chosen was Toyota Prius and Toyota ...

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Median Car Insurance Rate in Columbus, GA, is Significantly Cheaper Than the State Average

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The median car insurance rate in the city of Columbus, Georgia, is $1,577—about $1,500 lower than the state average for 40-year-old married males with a clean driving record. This is a finding from a recent analysis by Zimlon using data from the Office of Insurance and Safety Fire Commissioner, Georgia, on 2012 Toyota Camry, 6-cylinder, 4-door sedans. The study also found that the median rate for 30-year-old married females with one speeding ticket in the past 12 months was $2259, about $700 less than the state average. For 28-year-old married males with one speeding ticket within the ...

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Difference between the cheapest and most expensive car insurance policies in Birmingham, Alabama, is as high as $6,153

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A recent survey of half-yearly car insurance premium rates for Birmingham, Alabama, conducted by Zimlon found that prices vary from $2,687 to $6,153, depending on the companies that buyers choose. The most significant difference observed was for 18-year-old single women driving 2010 Toyota Camry LE four-door sedans. For this cohort of drivers, the difference between the cheapest and most expensive premiums is $6,153. For 25-year-old single men driving Chevy Silverado 1500 extended cabs, this difference amounts to $2,187. For this analysis, Zimlon used data from the Alabama Department of Insurance. The collision deductible was chosen as ...

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Car insurance premium in Topeka, Kansas is the lowest for 55-year-old women

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Zimlon’s recent analysis of car insurance policies in Topeka city, KS, shows that the cheapest premiums are paid by 55-year-old women, at $211. On the other hand, the most expensive premium rates are paid by 16-year-old males, starting at $915. For this analysis, Zimlon used data published by the Kansas Insurance Department. The coverage criteria for the insurance premiums were as follows: deductible rate and the comprehensive and collision rate at $1,000 each, the bodily injury per person and the property damage per accident limit were at $100,000 each, and the bodily injury per accident limit was ...

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Difference between the 75th and 25th percentiles of car insurance premiums is the greatest for 52-year-old married men

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A recent Zimlon analysis on car insurance premiums in Lexington, Kentucky, shows that 52-year-old married men with a driving experience of 35 years can enjoy the the largest savings ($3,833), since the 75th and 25th percentiles of premium rates is the greatest for this cohort, followed by 45-year-old divorced men with a driving experience of 29 years (savings of $3,151). This survey was conducted using information from the latest Auto and Home Insurance Guide report issued by the Kentucky Department of Insurance.

The most expensive premiums starting at $2,082 are paid by the cohort of 52-year-old married ...

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17 Ways To Save On Your Car Insurance in 2019

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Your car insurance premium depends on many factors such as the price of your car, the coverages and deductibles you choose, the companies you buy your insurance from, and the location where you buy your insurance at. Zimlon has analyzed all these factors and identified 17 ways to save on ...

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How Does the Type of Car You Drive Affect Your Insurance Rates

That an expensive car will attract a high insurance charge is common sense. However, there are many examples in the market of two equally priced cars attracting completely different insurance premiums. How does this happen? This is because certain car segments are associated with a typically riskier category of drivers. To put it simply, if your insurer’s records show that drivers with your car model have been in more accidents or filed more claims, your insurance rates will be higher.

Some other prominent factors that influence insurance rates are the theft rate of the car, the cost of repairs ...

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From DUI to Speeding: The Effect of Traffic Tickets on Car Insurance Rates

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Traffic violations are essentially of two kinds: moving violations and non-moving violations. Moving violations include offences such as speeding, seat belt infractions reckless driving, driving under influence (DUI), and illegal lane changes. Non-moving violations include parking violations and imperfect paperwork.

Zimlon has analyzed how some commonly committed offences can increase ...

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How Liability Coverage Changes Your Car Insurance Quote

In most states, liability coverage is a compulsory component of a car insurance plan. Liability coverage can be of two types: split single limit or combined coverage. Split coverage includes three components: bodily injury per person, bodily injury per accident, and property damage. Combined coverages do not have any components. They are usually more expensive but have their own advantages.

Bodily injury per person is the coverage for individuals who are affected in an accident. If your liability coverage reads 50,000/100,000/25,000, the insurance provider is willing to bear expenses of up to $50,000 for ...

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Commuting Distance Can Change Your Car Insurance Premiums

Discounts based on distance traveled annually vary by insurer and state. Nevertheless be sure to inform your insurer if your driving habits change, like - a different commute, work from home, retirement etc.

Most insurance providers believe that long on-road time increases your probability of being involved in an accident. This is not to say that insurance companies think every driver is unsafe. However, traveling longer distances increases your exposure to reckless driving, which result in collisions or other damages.

Inform your insurer if your driving habits change, such as if you’re taking a different route or working from home ...

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How a Driver’s Age Influences the Car Insurance Premium

Every insurance company has its own formula to compute insurance rates based on a driver’s age. For insurance providers, in general, the older you are, the more reliable you are behind the wheel. So, if you belong to the age group of 25-50 years, you are considered to be relatively safer and less likely to cause accidents.

Typically, drivers in the age group between 25 and 50 years usually tend to get the cheapest rates, with the rates getting lower with each additional year. Drivers who are younger than 25 and older than 50 are likely to attract higher ...

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Good Students Get Better Car Insurance Rates

The driver’s age is a crucial factor in car insurance premiums. The majority of high school and college students tend to be teenagers, and insurance rates are normally very high for them. In fact, if you are an 18-year-old student with liability coverages of 100/300/100, your annual car insurance rate will roughly be $4,050. This trend of sky-high premiums continues until you are about 22 and likely at the end of your college career, by which time the average annual premium drops by about $2,000 to $2,500.

However, if you are a teenager who ...

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Adding a Teenage Driver Makes a Big Difference to Your Car Insurance

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Teenagers tend to be charged some of the highest premiums across drivers of different ages. However the moment teenagers get some experience under their belt and get closer to the 25-year-old age bracket, their prices get reduced by almost 30%!

The reasons for this trend are understandable. Adolescent drivers are ...

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Car Insurance Companies Offer Discounts for Being Loyal

Acquiring  a new customer is more expensive than retaining an existing customer, and your insurance provider knows this. Also, it doesn’t speak well for an insurance provider if all their customers switch to other options. This is why insurance companies now offer loyalty-based discounts to lure their customers to remain with them.

Moreover, with the internet providing an easy option for customers to go online and compare auto insurance rates offered by a multitude of providers, along with the discounts they are offering, it has become very important.

Customer loyalty is an important factor that influences your car insurance ...

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Adding a Spouse to Your Car Insurance Plan Can Lower Your Premium

Every insurance company wants its customers to buy more coverage. If you’re married, insurance companies are almost certain that you will add more names to the policy.

Married couples, typically, are eligible for higher discounts than those available for adding a child to an insurance policy.

The table below shows how  your car insurance premium can change when you add  your spouse to your policy. The example is from zip code 900039 in Los Angeles. The premiums are based on a 25/50/25 liability protection and a $500 deductible. Both drivers are assumed to be driving their own ...

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Get Cheaper Car Insurance by Paying Premiums Electronically

An electronic funds transfer (EFT) lets insurance companies withdraw their monthly premium from your checking or savings account or your credit card. Once you authorize this systematic payment option, you can forget about payment reminders and late fees. Plus, you can a discount. In fact, using savings or checking account option is better than that of a credit card, since with the former you can just set it and forget about it, while with the latter you need to constantly update it.

After full payment, EFTs are the most preferred mode of payment for insurance companies as they know exactly ...

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