Oncken Insurance Agency, P.C. Blog
In the states, almost everyone has a car. It does not matter if it's new or not in the best condition, Americans have to have cars because walking is rarely an option. However, maintaining and insuring a vehicle can be costly. Costs of auto insurance, for example, vary from state to state.
Highest Insurance Rates in The States
According to statistics from auto insurance rates of more than 61 million Americans across the states, Americans pay the most to insure their cars in Michigan, Louisiana, Rhode Island, Florida, and Nevada. Michigan tops the list with 2,693 dollars. Louisiana, Rhode Island, and Florida pay 2,000+ dollars. As for Americans from Nevada, they spend about 1,915 dollars for insurance.
Americans in highly populated states, such as Rhode Island, tend to have high premiums. In highly dense and populated cities, there are more crimes, heavy traffic and accidents, and a stronger possibility of having uninsured auto drivers. Conversely, states that are prone to natural disasters and unfavorable weather conditions, namely Louisiana and Florida, are susceptible to more expensive auto insurance.
Lowest Insurance Rates in The States
On the other hand, the states of Maine, Virginia, North Carolina, Iowa, and Idaho pay the least for car insurance. Residents from Maine enjoy the lowest insurance rates at 896 dollars. Americans from Virginia, North Carolina, and Iowa pay 900+ dollars more or less. Meanwhile, Idaho pays around 1,018 dollars for auto insurance.
In contrast to States with high insurance premiums, States like Maine with fewer crimes, limited rates of natural disasters in recent years, more insurance competitions, and light traffic, benefit from lower insurance premiums.
Lowering Your Insurance Rates
If you are living in a state with high premiums, or you simply want to have your lower insurance rates lower, don’t fret, there are ways. Despite factors caused by natural disasters and crime rates, one can benefit from reduced insurance rates if you make an effort.
First of all, make sure you maintain good credit. You should also get low car mileage discounts, lower your insurance coverage on older cars, and ask for higher insurance deductibles.
Accidents may happen to anyone, anytime, and as cars are the most common mode of transportation for Americans, auto accidents are a considerable risk. Get insured today.
At Oncken Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (281) 256-8310 or Click Here to request a free quote.