Car insurance rates vary dramatically across the country. Find out why.

If you've recently moved to a new state or have been forced to purchase new car insurance, you may be wondering why auto insurance rates vary so much state to state - sometimes by as much as several hundred dollars. We take a look into why these prices fluctuate so much.

State Regulations

State laws are the most significant reason for the difference in price. Some state laws require that an insurance company cover a certain loss that isn't required in other states. There may also be other state requirements that regulate the ways in which a car can be repaired.

Labor Costs

Some states may have higher mechanical body shop work. Others may even have higher certification requirements, and this means the certified technician will have higher rates. Increased costs of labor will be reflected in your premium.

Population

Your state's population also influences the cost of your insurance. A state that is densely populated will have more cars on the road, heavier traffic, and a higher chance of being involved in an accident. If there are more accidents, there are more claims. These cost money, hence why the insurance providers need to raise rates in more populated areas.

Crime Rate

Higher crime rates mean higher insurance rates. In the case of car insurance, this takes the form of auto theft and vandalism.

Expect a variety of factors to influence your insurance premiums, wherever you are. While the more coverage you have, the greater the income, the larger the city and the higher the crime rate is, the more your premiums will be. Does that mean you should give up driving? Certainly not! There are plenty of providers offering comprehensive auto insurance at affordable prices, no matter where you live. For the auto insurance to protect you while you're cruising, visit Jack Stone Insurance Agency, serving Brentwood, Antioch, and surrounding metropolitan areas of California.