YOUR AUTOMOBILE'S TERRITORY

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In general terms one's territory would mean the location you reside at, or your common area of travel.

This is not the case in regard to your automobile insurance since your premium is strictly determined by the location your car is garaged at. This is known as it's rating territory. Most rating territories are based on zip codes. Realizing this, may save you money if you have a vehicle garaged in a area of lower exposed area such as a farm vehicle are a young driver going to school in a smaller town. Split rating your policy because of different rating territories can greatly affect your auto insurance rate.