17 February 2016
The {average|typical} {car|vehicle|automobile|cars and truck} {insurance policy|insurance coverage|insurance plan} in Missouri is$ 484 a year, {but|however} that number, {of course|obviously|naturally}, {varies|differs} by where you live — and if you call St. Louis {home|house}, you’re paying {the most|one of the most} of any {driver|chauffeur|motorist} statewide.
That was the {result|outcome} of a {study|research study} by ValuePenguin, {a personal|an individual} {finance|financing} {website|site} that {researches|investigates|looks into} {topics|subjects} such as {insurance|insurance coverage} and {credit cards|charge card}.
{Insurance companies|Insurance provider|Insurer} {use|utilize} {many|numerous|lots of} {factors|elements|aspects} in {determining|identifying|figuring out} {how much|just how much} to charge {a driver|a chauffeur|a motorist}, {including|consisting of} where that {driver|chauffeur|motorist} lives, {credit score|credit rating|credit history|credit report}, and {sometimes|in some cases|often} {occupation|profession} and education level. They {justify|validate} charging more in {areas|locations} with high {numbers of|varieties of} thefts and vandalism, and in {densely|largely} {populated|inhabited} {areas|locations} where more {accidents|mishaps} {occur|happen|take place}.
And as St. Louis {residents|locals|citizens|homeowners} {know|understand}, {insurance|insurance coverage} rates can {vary|differ} {widely|commonly|extensively} even by {zip code|postal code}.
For its {survey|study}, ValuePenguin {collected|gathered} 1,482 {auto|car|automobile|vehicle} {insurance|insurance coverage} rates from 19 Missouri {insurers|insurance providers|insurance companies} for a 30-year-old {man|guy|male} driving a 2011 Toyota Camry, {used|utilized} for {commuting|travelling} to and from work, with the state’s minimum {insurance|insurance coverage} requirements.
In St. Louis, that {driver|chauffeur|motorist} saw rates that were 49 percent {higher|greater}, or $239 above the statewide average.
Spanish Lake {came in|was available in|can be found in} at {second|2nd}, paying {an extra|an additional} $178, which is $3 more than {said|stated} {driver|chauffeur|motorist} would pay in Ferguson.
University City, where the {driver|chauffeur|motorist} would pay {an additional|an extra} $143, {came in|was available in|can be found in} at {fourth|4th}.
{Looking to|Wanting to|Seeking to|Aiming to} pay less? Head west.
That {driver|chauffeur|motorist} in Bethany, Mo.– population of {just|simply} above 3,000 in the northwestern part of the state– would {find|discover} quotes that are 21 percent, or $103 lower, than the state average. That’s {the lowest|the most affordable} of the 70 cities {evaluated|assessed|examined} by ValuePenguin.
Bethany was {joined|signed up with} by Brookfield, Maryville, Chillicothe and Ozark as the {cheapest|most affordable|least expensive|most inexpensive} cities in Missouri for {car|vehicle|automobile|cars and truck} {insurance|insurance coverage}.
Source: stltoday.com