Reader’s Question:

I have lived here in Houston, Texas most of my life and we plan to move in the countryside soon. Also, if I switch to a low-profile vehicle and have safety devices, will my car insurance rates be different then?

Gareth

Houston, TX

Unlike Houston, Texas, the countryside is a rural area and it has lesser crime rates and fewer traffic jams. For this reason, your car insurance rates will normally be lower than what you pay now since you live in an urban area. That is because your vehicle would be less likely to be stolen, vandalized and be caught up in an accident. Getting lower car insurance rates may not be the only reason why you are moving to the countryside but doing so can definitely turn around your premiums.

Getting low-profile vehicle can also help you have lower car insurance rates. For the purpose of determining car insurance premiums, vehicles are rated on a risk scale. Generally a sports car and other high-performance, showy cars are considered higher risks since these cars are usually targeted more by thieves. Also, statistics show that the people who drive these types of vehicles are more likely to drive recklessly. So if you own just a wagon or a sedan, which is considered lower risks, you would likely have lower car insurance rates. And aside from owning a low-profile vehicle, your car insurance company will give you discounts for having safety devices installed in your vehicle, thus, lowering your insurance rates.

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