Quote Originally Posted by RLatt View Post
Here is why no two quotes will be the same. Insurance companies use the following, and more - to rate an automobile / motorcycle insurance policy:

Your driving record, and of others in the household, zip code and sub-zip code, if you rent or own your home, if you have a motorcycle endorsement, if you have take a driver safety class, years driving a motorcycle, age, credit score, insurance score - (cancellations, lapse), occupation, claims - (at fault, not at fault, comprehensive), education level, the vehicles' history - (accidents, salvage title, etc), length of time insured with current company, state laws for where you live, catastrophic claim experience of the company.......on and on.

If you guessed that I have been an insurance agent, you would be correct.
Where you live makes a ton of difference. I have friends up north in Mass and they pay more on their car insurance than their car is worth over a 2 year period. The comment about Jacksonville, Fl is true also as well as a persons driving record.