You may have realized if you've used an insurance quotes site for car insurance that they do ask for your zip code. This is because your home affects what you pay as car insurance premium. The important thing is to find out if it's making you pay more or less. Where you decide to make your home will affect what you pay. If you do the right things, you could save much money in the process (What I am about to say about the effect of your home has nothing to do with the fact that some states cost more to insure than others.

Depending on your details, an insurer would require information about your home and place of work. But despite your details, they must ask for where you reside. This piece of information will help them know if you live in a high risk area or otherwise.

Let's assume you live in an area that has high rush hour traffic or perpetual high traffic (Or an area that has high car theft statistics). If that describes your neighborhood and you have to drive through to work every week-day then you should expect to pay a little more than someone who lives in a place that never has much traffic.

A funny thing happens here that works to some people's advantage or otherwise...

Insurance companies can't start asking themselves or checking statistics each time someone applies to know how much risk that's created by a potential insureds place of residence. Therefore, they do the sensible thing: Group areas into different risk categories.

If you are unfortunate to fall into an area in their map that says you live in a high risk area, then you'll pay more. However, you may be surprised to hear that a house less than fifty meters from yours belongs to a medium risk area. There have to be boundaries and they could be to your advantage or disadvantage.

Those who are about to buy a house or move into a new apartment, take note: Take some time out and request for a free auto insurance quote with the address of this house or apartment you intend to get (Remember, they are free and non-obligatory). This will help you know if it will cost you more or less if you move in there.

Don't start kicking yourself if you fall into a high risk zone. You can still lower your car insurance rates whether you belong to a high or low risk area. There are many ways to do that. However, this one takes a few minutes but could save you several hundred dollars...

Use sites that give free car insurance quotes. In just minutes, you'll be given quotes from A rated companies by answering a simply questionnaire. From the quotes returned you'll get insurance companies that are willing to take far less than what you're paying currently to give you a comparable insurance coverage.

Here are my favorite insurance quotes sites for long term care insurance...

InsureMe Long Term Care Insurance Quotes