If I go and live in a upscale neighbor, I can get a quote of $200 less for the same car..

If I go and live in a Gheto neighbor, of course, my insurance goes up..

Insurance company looks for vandalism reports using zip code and base on higher risk zip code area your premium goes up.

If you live in a house, goes down, and if you live in a multi complex apartment, it goes little up...again risk factor..

I have Progressive Insurance..without no rental, no emergency road services, ..bla bla.. for that I have

AAA with basic yearly membership. ...