Automobile Insurance Discount New York NY
Reader’s Question:
I know that there are different factors that can make my car insurance premiums go up and one of these is the number of miles driven each year. I’m probably moving from Islip New York City to Connecticut; how will this affect my premium?
Alicia
Islip, NY
Though there may be a surcharge applied for people with high mileage, it is meaningless. Where you live is a far more important factor. For example, I used to have a 40-mile daily commute, which dropped to zero when I moved from the suburbs to the city. My apartment was only 100 yards from my job (on the same side of the street, no less). My car insurance premium DOUBLED, despite the fact that the car was driven 90% less than before. So what I did was I shopped around and unfortunately, it didn’t help.
If you move from an urban area to a rural area, you will most likely get a HUGE DISCOUNT no matter how many miles you drive.
However, if you’re planning to move to Connecticut; your actual mileage may vary. In the state of Connecticut, your zip code seems to be much more important than how much you drive, the type of car, your age, gender, or driving record. You could probably insure a Corvette (and maybe even hit a few people) before your premiums went back to what they were before.
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