"Seems insurers really do factor in location more heavily than you'd think... guess it's all about risk."
Yeah, I used to think a spotless driving record was the golden ticket to low rates, but turns out location matters way more than I realized. When I moved from Jackson out to a rural area near Tupelo, my premiums dropped significantly—even though my commute actually got longer. Guess insurers figure fewer cars around means fewer chances for accidents or theft? Still feels kinda arbitrary to me, but hey, I'll take the savings.
Honestly, location matters plenty, but from experience, insurers still hammer you pretty hard for a rough driving record. I've lived both downtown and out in the sticks—didn't see much difference cause of my tickets. Maybe it's different if you're squeaky clean though...
"Maybe it's different if you're squeaky clean though..."
Yeah, I'd say that's pretty accurate. My record's clean, and when I moved from Jackson out to a smaller town, my premiums dropped noticeably. Tickets probably overshadow location perks...but location still counts for something.
Makes sense to me. I've always kept a clean record too, and when I moved from Gulfport inland, premiums dropped a bit. Wonder if coastal areas tend to bump costs more due to storm risks...? Either way, safe driving definitely pays off.
I've wondered about this too, actually. I lived near Biloxi for a while, and my premiums were noticeably higher compared to when I moved inland near Jackson. Pretty sure coastal areas do factor in storm and flood risks, which insurance companies definitely keep an eye on. But honestly, from what I've read and experienced myself, your driving record still seems to be the bigger deal overall. My cousin had a couple of speeding tickets and his rates skyrocketed, even though he lives way inland in Tupelo. So yeah, location matters—but probably not as much as having a clean driving history. Curious though, has anyone noticed if moving just a little further inland makes a big difference, or is it mostly noticeable only if you move significantly away from the coast...?
