Wish my insurer cared about dashcams—I installed one after a fender-bender (totally not my fault, but try convincing them 🙄) and got zero discount. Defensive driving course helped a bit, but honestly, my record's still haunting me. Seems like location matters, but your driving history follows you everywhere. At least you're getting something off...I'm stuck paying extra until those points finally drop off.
I feel ya on the dashcam thing...would be nice if insurers actually rewarded proactive steps like that. Honestly though, from what I've seen, your driving record usually hits harder than location. I moved cities within Mississippi a while back—went from a busier area to a quiet suburb—and my premium barely budged. But after a speeding ticket dropped off my record? Instant relief.
Still curious though, anyone here actually seen their rates change significantly just by moving neighborhoods or towns? Or is it mostly about waiting out those pesky points? Seems like insurers always find a reason to charge extra, lol.
"Honestly though, from what I've seen, your driving record usually hits harder than location."
That's interesting...but I've actually experienced the opposite. When I moved just a few miles into a different zip code, my premium jumped noticeably—even with a spotless record. Maybe insurers weigh local accident stats more heavily than we think?
When I moved just a few miles into a different zip code, my premium jumped noticeably—even with a spotless record.
I've noticed something similar actually. My brother and I have pretty much identical driving records—both clean—but he lives downtown and I live in a quieter suburb. His insurance is consistently higher than mine. It seems like insurers really factor in local traffic density or crime rates. Makes me wonder... does anyone know if rural areas in Mississippi generally have lower premiums compared to cities, even if the driving record stays the same?
I had a similar experience when I moved from Jackson out to a smaller town near Tupelo. Same car, same driving record, but my premium dropped noticeably. Seems like insurers really do factor in city vs rural areas quite a bit...
