Unfortunately, you need more than a good driving history to score a good insurance rate. Depending on your area, you still may end up paying more due to high risks posed against the insurance company. For example, if you live in a heavily populated where vehicle theft is high, you’ll pay more in insurance rates. Also, if you live in an area where there is extreme weather, you’ll likely pay more in monthly premiums.

You’d think that a great idea in this case is to go with a company most everyone in the area is going with. However, it’s the opposite. Try and find a company that covers less drivers in your area for a lower rate.