Did you know that where you live is one of the biggest factors that influences your insurance rates?  Not only does your driving record, age, credit,  and vehicle influence your rate, but also where you live matters.
  Insurance companies have sophisticated pricing models that   calculates the amount of premium to charge, and where you live is one of the factors.
  It makes sense that people that live outside of busy metropolitan areas, pay less for their insurance.
  The reason is the insurance company can prove statistically that those people have fewer accidents than people in big cities.
  The traffic is not as heavy, and there are usually fewer distractions for people in the country versus congested freeways that city drivers have to endure.
  I live and work in Flower Mound Texas, which is a suburb of Dallas Fort Worth.
  Car insurance in Flower Mound is less expensive than neighboring Dallas and Fort  Worth for the reasons I mentioned earlier.
  I only have a 2 mile commute to work, so since I am driving a short distance to work and don't have to get on the freeway, the odds that I will be in a wreck are diminished somewhat.
  What that means to the insurance company is that I am less likely to have a wreck that will cost them money.
  Because of that my insurance premium is discounted a bit from drivers in Dallas and Fort Worth.
   To go one step further if I were to move even further outside of Dallas my rates would be even lower, because typically the further away you get from traffic, the lower insurance premiums will be.
  Even though I don't live in Dallas, I do travel there frequently and do get on the freeway quite a bit.
  So even though I live in Flower Mound, just the proximity of living close to a big city influences my rates.
  The next time your moving somewhere and you do have a choice of where you might live, be sure and call insurance agents and get car insurance quotes, based on the different places you might live.