If you drive you probably have car insurance. Or at least you’re probably supposed to have it. Lots of factors have an impact on the price of your insurance besides if you’ve ever had an accident and the type of vehicle it is. Some of the other things considered are your driving record, if you drive to work and how far, as well as where you live and where you keep your car. It didn’t dawn on me at first why the price is effected by where you keep the car but it nmakes sense. Areas with higher rates of crime will have higher insurance rates. the geographical location also tells them if there are lots of children and animals (think deer). Every year or so I call around to see if anyone will give me a cheap car insurance quote. so far the company I’m with is still the cheapest.