- Place of residence
- Automobile insurance rates are generally higher in metropolitan areas. That's because there are a higher number of accidents, theft and vandalism claims than in rural areas.
- Policy cancellation
- Cancellation of a policy by the insurer for reasons such as non-disclosure of trafic violations or non-payment of the premium may impact your future rates and even your capacity to find insurance. However, if the policy is being cancelled at your request, there are no such impacts.
- Postal code
- Auto insurance rates vary, depending on where you live. Rates in big cities are usually higher than in more rural areas. Why? Because with more people living in one place, the risk is higher that an accident, theft or vandalism will occur.