How Zip-Codes Affect Car Insurance

Video Transcript

"You just moved to a new town, and the last thing on your mind is your car insurance. My name is James, with The Resurgence Group. We're a full service insurance agency, and we specialize in car insurance. The one thing that you might not realize is that different zip codes affect the premiums of your car insurance, so as soon as you get to your new town, or maybe even before you should be calling your agent or your carrier, and explain to them that you're moving, or you're thinkin' about moving, and how is that going to affect your premiums. You're much better off doin' this and being proactive then waiting after the fact if you've got an accident and then you find out that your claim has been declined because you didn't tell; you only have thirty days, and you didn't tell that carrier or that agent that you moved. Sometimes it'll work in your favor, and you'll actually get a discount based on that zip code, and then there are other times if it's in a rough area or a different state they have different ways of calculating the premium, and that premium will go up. But the best policy is being honest, and understanding that there is no free lunch, so you've got to tell that agent or that company what you're up to, and the fact that you moved so that in the event that there's an accident you do have the proper coverage. I'm James, with The Resurgence Group. One thing we recommend is that you speak with an agent and get an opinion so that you're dealing with a professional, and in the event of a loss at least you know that you're covered properly."