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each company has a different pricing adjuster, and different actuaries, different underwriting department and so on. Some companies rate primarily on insurance experience and prior BI limits, some on credit score, some pretty much only on driving and claims records, some on age and type of car, and some on location of the risk and daily commute. there are thousands of factors that go into insurance premiums. Its just each company looks at different things to base the majority of the rate on. My Z (its an NA so not too bad anyhow) only costs me about 70 or so dollars a month with 100/300/100 and 100/500 comp and collision deductibles and I'm 24. Its all about finding the right company which means shopping with a company that quotes multiple carriers or a local agent which does the same. [ www.comparisonmarket.com ] I've been in insurance for five years now n thats how it seems to work.
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