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The fact that a person’s zip code affects his/her auto insurance rate isn’t as apparent as the effect it has on their home owners’ policy. But it does have a huge effect.

Those who know this and understand how to use it to their advantage pay a lot less. This is because they factor this in when buying a new home. This results in huge savings over a few years. Here’s why…

1. We all know that your annual mileage partly determines the risk an insurer carries by insuring you. If you live far from places you drive to daily, your mileage will be a lot higher than if you lived a lot closer.