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Your CREDIT is also a huge factor. If you have bad credit tell them they may NOT run a credit report on you. (Credit makes your rate drop 80% of the time) Also your occupation, current insurance liability coverage is HUGE, Larger than the zip code. PM me.
If you currently have state minimums they assume you're irresponsible and thus are a higher risk. If you tell an insurance agent "I have 250/500 bodily injury liability limits" your automatuicly less risky than someone with 15/30 limits.
I can explain all in more detail if PMed.
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