How Your State Affects Your Car Insurance Rate

Not many people realize that the state, in which they live, actually has an impact on their car insurance rate. There are different laws concerning different states and that is why the car insurance rates will differ. So is your state the only thing affecting your car insurance rate?

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As the laws are different, there could be many factors which are causing your state to affect your car insurance rates. For example, each state has a different safety law and if your car is considered to be less safe your insurance rate will be higher. Also, say you live in Texas; your insurance rates might be lower than somebody living in New York for example. This is because New York is more built up and there are more people living and driving there which means that there is more chance of having an accident than there is in Texas. So, simple things like that affect your car insurance rates so it is always a good idea to check out the local regulations regarding car insurance in the state that you live.

Of course your state isn’t the only thing that affects your car insurance rates, but it is something that you need to consider. More importantly how you use the car and what type of car you drive will also affect the rate you receive. Of course the type of car you drive will also be linked to the state in which you live because again, each state will have its own laws on which cars are more economical than others etc.

What kind of car buyer are you?

If you want to save money while you are negotiating you should
negotiate from the dealer cost up and not from the MSRP down.
You just need to remember that dealer cost is not the same as the
factory invoice.

Some dealerships refuse to haggle over the cost of a car. Once you
make your opening offer you should never accept anything higher than
that, as far as costs go.
If the dealership that you go to doesn’t haggle, don’t sweat it,
some other dealership will. The reason some dealerships refuse to haggle is because they want
to add extra fees to the MSRP.
Find out more at Easy Way to Buy a Car

SOME OF MY FAVORITE CARS

I was in high school during the early to mid-60's.    There were two cars that I thought were really cool.  One was a Midnight Blue '62 (I believe) Chevy Impala convertible.  The other was a "64 (also sketchy on the year) red Oldsmobile Starfire convertible.

Elaine