Insured Drivers Belong to "Shared Risk Pool" - NBC Right Now/KNDO/KNDU Tri-Cities, Yakima, WA |

Insured Drivers Belong to "Shared Risk Pool"

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WASHINGTON--Whenever drivers apply for auto insurance, a myriad of factors determines how much their rate will be each month.

A big issue is where you might live. Even though the number of stolen cars was down five percent statewide in 2007, close to 2,000 auto thefts were reported in Yakima alone. In the Tri-Cities, approximately 600 cars were stolen.

So, by living in Yakima, you might be paying more for insurance based on the theft trend in the area.

Allstate Insurance agent, Darin Oman explains.

"The people that are in that risk pool, their rates are probably going to be affected by it," infers Oman. That doesn't mean that everybody's rates are going to go up across the board, universally, evenly because of cars being stolen."

A KNDU reporter called an insurance company earlier Tuesday night to see if by living in Kennewick and not Yakima, would a driver pay less money for coverage?.

As the 25-year-old reporter who drives an SUV found out, living in Yakima would cost $162.00 dollars more each year than if he/she lived in Kennewick.

Remember, your credit and driving history could all  impact your cost, but as we found out, so can your zip code.