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I am insured with Country Companies, which is mainly Midwest based,and my agent says that their rates are low because the don't insure in the gulf states or California most in just in the midwest. So huge events like hurricanes and earth quakes and the cost that goes with them does not have to be passed on to their customers.
The one bit of advice I would give is to have multi-policies and lines with an insurance company is a sure way to get big discounts, I have cars, house and life with the same company and I get huge discounts for having multi-policies and lines. All the major players do that a great way to get discounts
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