You and your friend who live in another state have the same type of car. Both model and production year are the same. The two of you insured with the same company but then you find out that he has lower car insurance rates. You know you have been a good driver and never collected a ticket but how does he get that small blessing? Well, indeed, where you live determine the premium.
Every state is surrounded with a unique characteristic of social and natural conditions which then lead it to
