How does where I live
affect my premium

Where you live (or,  more precisely, where you keep your car) has a bearing on your chances of having an accident or becoming a victim of theft or vandalism.  That's why a vehicle owner in Brooklyn, New York, pays a higher rate than the owner of an identical vehicle in Casper, Wyoming.

Other factors affecting regional insurance rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services.  Insurers even factor in the litigation rates in a given area--that is, how many lawsuits are filed, go to trial, are settled out of court and for how much.

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Association of Wyoming Insurance Agents
  P.O. Box 799
Sundance, WY 82729-0799
Voice: (307) 283-2052
Fax (775) 796-3122
Email: awia@vcn.com