A-1 Autoinsurance
The Hartford AARP CF 200x120
Insurance Articles by A-1 Auto Insurance

Car Accidents Often Occur Very Close to Home

If you drive often, you should be aware that the majority of accidents happen when you are approaching your own home. Contrary to popular belief, you are much safer when you are driving a far distance from your residence. Progressive Insurance conducted a study that indicated that most car crashes happened in the vicinity of a driver’s residence. Drivers tend to get involved in more accidents on the roads near their home.

Your Location & Your Insurance Rate

Insurance companies use many different factors to determine the rates of different auto insurance policies they sell. Therefore, your location will also play a part in how much you will end up paying for your annual auto insurance premiums. Depending on where you live, you may pay more or less for medical treatment and automotive coverage.

What is Covered by Your Auto Insurance Policy?
The majority of car insurance policies include coverage for medical expenses, liability costs and property damage. The latter includes theft of your vehicle or any damage caused to it. The liability portion of your policy will cover you for any legal responsibility if you cause property damage or a bodily injury to anyone else while driving. Last but not least, medical coverage includes coverage for medical expenses such as rehabilitation, injury treatment or hospitalization. Certain insurance policies will also cover any funeral expenses and lost wages.
Comprehensive Auto Insurance
The most comprehensive car insurance policies will include 6 types of coverage. However, the majority of states require drivers to purchase only some of these available coverage options. If you choose to finance a vehicle, your lender may also require some specific types of auto insurance coverage. As you can see, insurance providers consider many different factors to determine the cost of your auto insurance policy.
Accident Studies
You may wonder why so many studies are conducted on motor vehicle accidents that occur close to a driver’s home. Many drivers believe that the possibility of being involved in an accident is the same no matter where they are driving. Unfortunately, this is not the case. Studies conducted by many insurance companies investigate the frequency of thefts and accidents as well as the medical treatment expenses and repair costs for different areas. These factors are considered when they determine how much drivers are charged for their auto insurance coverage.
Surprising Statistics
If you don’t believe that you have a much greater chance of being involved in an accident near your home, consider the following. Progressive Insurance conducted a survey of 11,000 of its car insurance policy holders who had reported an accident in 2001. Some of the survey’s questions included the distance from their home when any accident happened. Surprisingly, 77 percent of the survey participants indicated they were within 15 miles of their home when they had their accident! In fact, it was discovered that accidents were two times more likely to happen when drivers were 1 mile from their home compared to 20 miles.
The survey confirms the fact that drivers have a greater risk of accidents as they approach their home. However, you also need to consider that most people drive near their home much more often. This is one of the reasons why there are many more accidents in a driver’s own neighborhood. If you happen to live in an area that has a high number of accidents, your insurance company will assume that you also have a greater accident risk.
Approximately 29 percent of the survey participants revealed that their accident had taken place within 2 to 5 miles from their home. Another 23 percent of respondents reported a car accident that occurred 1 or less miles from their residence. Altogether, 52 percent of the individuals in the survey reported an accident that happened fewer than 5 miles from their own home.
Accidents occurred 6 to 10 miles from a driver’s home in 17 percent of the cases. On the other hand, only 8 percent of the respondents indicated that their accident had occurred 16 to 20 miles from their home. Accidents occurred further than 20 miles from a driver’s home only 17 percent of the time. Only one percent of respondents reported an accident that had occurred more than 50 miles from their home. Therefore, the further you are from your home, the less chance you will be involved in a motor vehicle accident.


What is homeowners insurance?

Why do you need health insurance?

Why do you need life insurance?

How Does Your Credit Score Affect Your Insurance Rates

Why You Need to Report That Accident

How to Collect on an Insurance Claim

How to Prevent Vehicle Theft

What to Do If Your Vehicle Is Stolen

Obtaining Affordable Auto Insurance If You Have a High Credit Score

How to Obtain Affordable Business Auto Insurance

Factors That Affect the Cost of Liability Auto Insurance

How to Avoid Driver Distractions

Resisting Road Rage

Qualifying for Military Auto Insurance Discounts

Obtaining Auto Insurance for an Out of State Move

Obtaining Teen Auto Insurance

How to Lower Your Auto Insurance Rates

Avoiding the Temptation to Drink & Drive

Submitting a False Insurance Application

All About Assigned Risk Insurance

Don’t Rely Solely On Price When It Comes To Auto Insurance

How to Avoid Insurance Fraud

What You Need To Know About First Time Driver Auto Insurance

The Top Ten Steps to Avoid Insurance Fraud

How to Obtain DWI Auto Insurance

Save Money by Changing Your Auto Insurance

Insurance Tips

All About High Risk Auto Insurance

SR22 Insurance

International Auto Insurance

How to Obtain Auto Insurance with A DUI

Obtaining Auto Insurance For Hard to Insure Vehicles

Components of Auto Insurance

Obtaining an Auto Insurance Student Discount

State Auto Insurance Minimums


Car Insurance for Female Drivers

Purchasing Direct Auto Insurance

What You Need to Know About Family Car Insurance

How to Obtain Affordable Car Insurance after a Divorce

When You Should Disable Airbags

Car Accidents Often Occur Very Close to Home

All About Personal Injury Protection

Do You Need Small Business Car Insurance

Discover the Facts About Safe Car Insurance

The Limitations of Auto Insurance

No Credit Check Car Insurance

Insurance Policy Cancellations

What You Need to Know About Short-Term Car Insurance

Reviewing Auto Insurance Rates in Various States

All About Classic Car Insurance

Obtaining Seniors Auto Insurance

How Cell Phones Affect Car Insurance

Temporary Auto Insurance

Finding an Affordable Auto Insurance Policy

Learning More About Gap Car Insurance

Comparing Vintage & Regular Auto Insurance

Discover the Facts About No Fault Auto Insurance

The Facts About Commercial Auto Insurance

Everything You Wanted to Know About Term Life Insurance, But Were Afraid to Ask...

Think Your Lifestyle Has No Effect On Life Insurance Rates – Well, Think Again!

Discover the Various Types of Life Insurance

Useful Tips for Purchasing Life Insurance

Protect Your Small Business With Term Life Insurance

Purchasing Life Insurance Coverage For Your Children

When Should You Opt for Term Life Insurance?

What to Do If You Lose Your Life Insurance Policy

The History of Whole Life Insurance

The Main Differences Between Term Life & Whole Life Insurance

Whole Life Insurance Glossary

What You Need to Know About Variable Life Insurance

Learn More About the Different Types of Whole Life Insurance

Purchase Life Insurance Before It’s Too Late: Discover Why You Should Act NOW!

Insuring Your Spouse with A Life Insurance Policy

Discover the Many Benefits of Life Insurance

Everything You Wanted to Know About Universal Life Insurance

Discover the Facts About Term Life Insurance

The Advantages of Purchasing Whole Life Insurance

10 Important Facts About Purchasing Life Insurance: Discover the Secrets…

Save Money By Comparing Term Life Insurance Quotes

Discover Where to Obtain Whole Life Insurance

Return of Premium Term Life Insurance is Making A Comeback

What You Need to Know About Key Man Life Insurance

The Many Functions of Whole Life Insurance: Why You Should Consider It

The Benefits of Buying Term Life Insurance Online

Should You Combine Term Life & Whole Life Insurance?

How to Select A Beneficiary

The Dangers of Letting Your Life Insurance Policy Lapse

What You Need to Know About Mortgage Life Insurance

Discover How to Obtain Affordable Life Insurance… Even If You Are Over 50

The Benefits of Joint Term Life Insurance

Choosing Life Insurance to Accommodate Your Changing Needs

Purchasing Life Insurance for Newlyweds

All About Fixed Term Life Insurance

What Women Need to Know About Purchasing Life Insurance

The Importance of Life Insurance For Young Individuals

Permanent Life Insurance or Term Life Insurance: Which One is Right For You?

Are You Aware of Additional Life Insurance Options? Learn More About Rider Benefits

How to Save Money When Buying Term Life Coverage

Choosing Between Term Life & Whole Life Insurance If You’re A Young Adult

What You Need to Know About Short-Term Life Insurance

Do You Actually Need Life Insurance… Read On to Find Out!

How Life Insurance Can Protect You When You Purchase A House

Discover the Flexibility of Whole Life Insurance!

Should You Switch to A Whole Life Insurance Policy?

Wonder How Insurance Companies Calculate Your Premiums?

Do Something Positive For Your Health & Your Pocketbook & Quit Smoking

Deciding Between Whole Life & Term Life Insurance Once You Retire

How to Obtain Life Insurance Coverage If You Have A Medical Condition

The Importance of Key Person Life Insurance

Discover the Premium Payment Options for Whole Life Insurance

How Can A Life Insurance Policy Protect Your Loved Ones?

Discover Why You Should Purchase Life Insurance NOW!

Why Is Return of Premium Life Insurance Increasing in Popularity?

How to Find A Reputable Life Insurance Agent

Using a Life Insurance Policy to Pay off Your Home

The Basics of Life Insurance

How to Protect Your Family with a Life Insurance Policy

Discover the Facts About Child Life Insurance

Weighing the Advantages of a 5 and 10-Year Term Life Insurance Policy

The Many Benefits of Term Life Insurance

Should You Buy A Whole Life or Term Life Insurance Policy If You’re Single?

Deciding Which Whole Life Policy Best Meets Your Needs

Discover the Security of Term Life Insurance

When Should You Update Your Life Insurance Policy?

Determining How Much Life Insurance Coverage to Purchase

Term Life Insurance: One of the Most Affordable Options

Benefits of Offering Group Life Insurance to Your Employees

The Importance of Life Insurance for Stay-At-Home Parents

How to Simplify the Process of Comparing Life Insurance Rates

The Importance of Selecting Your Life Insurance Beneficiary

Deciding on Term Life or Mortgage Insurance

How Are Life Insurance & Health Insurance Rates Determined?

Preparing Your Family Members So They Know How to Collect Life Insurance Death Benefits

Do You Know What Your Life Insurance Coverage Includes?

Learn More About Joint Term Life Insurance Learn More About Joint Term Life Insurance

Why You Should Consider Whole Life Insurance If You’re Young

What You Need to Know When Applying For Life Insurance

Purchasing Life Insurance For Married Couples

Whole Life Insurance for Young Children

How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons

When Is Whole Life Insurance Preferable to A Term Life Policy?

Life Insurance: A Great Way to Plan Your Financial Future

5 Ways to Pay Less For Your Insurance Premiums

Looking for the Perfect Gift This Christmas: Choose the Gift of Life Insurance

Buying Whole Life Insurance When You’re Healthy & Young: Discover Why It’s Best Not To Wait

The Pros & Cons of No Examination Life Insurance

Discover 7 Easy Ways to Pay Less for Life Insurance

What You Need to Know Before Purchasing Life Insurance

Term Life Insurance & Buying a House: An Effective Partnership!

Determining the Amount of Term Life Coverage to Purchase

Dealing with Life Insurance Issues When You Divorce

Why Purchase A Term Life Policy?

Home | About Us | Contact Us | FAQ's | Articles | Site Map | Privacy Policy Copyright © 2019 A-1AutoInsurance.com, 5705 Steep Hill Road, Bldg 10712, Fort Smith, AR 72916