Auto Insurance Rates: City-Dwellers vs. Country-Dwellers Author:    Posted under: Auto InsuranceAuto Insurance RatesAuto Insurance Ratings and Factors


More often than not, people tend to look at what differentiates them from each other. Our race, our belief systems, cultures, traditions, economic backgrounds – and unconsciously, we secretly enumerate the advantages we have over our peers, and lament their advantages over us.

Of late, the areas humans inhabit have become a divider for people living the world over. Those living in urban areas live fast-paced, demanding lives while those dwelling in rural areas live relatively tranquil days.

People living in urban areas, or city folk, have all the modern resources at the tip of their fingers. The Internet, cellular and satellite communication and high-definition television are commonly accessible.

Towering skyscrapers, dazzling entertainment centers, enormous shopping malls, posh restaurants, five-star hotels, and huge houses with sprawling lawns, can all be found in urban areas. All these and more appeal to people, drawing scores who are attracted to this kind of lifestyle.

The result is an atmosphere of crowdedness in metropolitan cities. This is the reason why people who live in urban areas are charged with higher car insurance – more people mean more cars on the road and that translates to an increased risk for accidents. In addition, incidences of car theft are commonplace in urban cities.

New Jersey residents, for example, pay the highest auto insurance rates in the country. Much of the state is urban and these urban areas are heavily populated, and a great number of residents drive cars to get around. This sets the stage for accidents, car theft and vandalism.

On the other hand, rural areas are mostly dominated by nature. Residences are spread apart with huge expanses of plantations and a wealth of untouched natural beauty. Here, children have more room to play outside, and pets and animals to freely roam about. People living in the country enjoy a slow-paced existence often making do with bare essentials. While they may be deprived of extravagance brought by the trappings of city-dwelling and the advances that come with technology, they have the benefit of spacious, uncongested country roads.

Since rural areas are largely uninhabited, there is little to no chance of heavy traffic and therefore a lower risk for collisions to occur. Consequently, insurance companies consider people who live in rural areas to be low risk. They are charged relatively cheaper for car insurance than someone who resides in the city.

There are always two sides to a coin. Depending on how you look at it these contrasts to city and country living shows their advantages or disadvantages. If living in the country is something that appeals to you, whether you want to get away from the hustle and bustle of the city or want to be in a place where you can better enjoy nature, then lower car rates is another motivator for moving to a rural area.

But if you are living in the city and would never dream of moving to the country and setting up permanent residence there, then you would have to accept the reality that you will always be paying more for your car insurance.

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