The basic factor that identifies how much you are going to pay for your car insurance premium is probably your location - where you keep your car. This is a logical way of identifying how much you are supposed to pay for your premium.
The more dangerous and more densely populated your location is, the bigger chance you have of something happening to your car - from a crash on a crowded street to vandalism on your block, this all depends on your neighborhood.
There are a low number of these incidents occurring in areas that are populated with less people, and that is simply considered to be a safe area.
Keep in mind that this factor isn't one that is unfair; the insurance companies don't just judge a neighborhood by the way it looks, they look at statistics of how many accidents occurred in each neighborhood, or how many claims were filed.
Your insurance premiums are based on statistics, not opinion.
Don't forget that the local road and traffic conditions, quality of local medical services and time and effectiveness of police response and law enforcement all affect regional insurance rates. These are also factors that affect your insurance rates.
If you live in a dangerous area and think that your rates could have been lower if you had moved to a safer place, it isn't too late to do so. Living in a dangerous neighborhood is not safe by itself, especially if you have a family living with you.
I am not saying that you should immediately start looking for a new place to live, but it is important to know that your geographical location affects how much you pay.
Living in a dangerous neighborhood is never good, so if there is a possible chance of moving to a safer place while keeping your job, I would take it.
Your geography, police response, and medical care aren't the only factors that insurers look at when identifying the amount of your premiums and insurance rates.
Some insurers even factor in the litigation rates in a given area. This basically means that they look at how many lawsuits are filed, cases involved with going to trial, out of court settlements and their amounts.
Overall, try to keep in mind that your location is one of the factors affecting your insurance rates. To find out more about factors that affect your auto insurance rates, look at some articles located in the learning center.