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People often try to manipulate the system to get lower insurance rates by using a rural address, but this may not always work. Insurance companies want to know where your vehicle is mainly kept (51% of the time or more). If you have a second home or cabin in a rural area and leave your vehicle there most of the year, you can list that address for that specific vehicle to potentially lower your insurance rates. Rural areas often have cheaper insurance rates, so this could be a legitimate way to save money.
