We get this statement all the time, "My neighbor pays way less than that and they have the same number of vehicles or we have the same size house."
The truth is, you and I could buy the exact same home or exact same car and we are going to both have a different rate. The reason for this is that all carriers use their own formulas to evaluate risk and set rates.
There are 3 top factors that are at the heart of these formulas: 1) Age & Gender 2) Where you live or drive 3) Credit & Driving History (Your Insurance Score)
While you can't really change your age, gender, or where you live and drive, there are some things you can do to help your insurance score. This can ultimately help lead to better insurance rates.