Most auto insurance companies determine their rates first by their overal profits, then by the state's losses and then by the zip code's losses. So if you live in a more dense populated area, where there are more losses of any kind, you will pay higher rates than some one who lives in the country.
Your comprehensive deductible applies to when a car is stolen, and the amount you pay is based on the type of car (Cadillacs are stolen more than Chevy's), where you live (zip code/state and amount of losses there) and your own loss experiance. (do you get credit's for no losses, or surcharge's for having two losses?)
The same applies to your collision or crash deductible. Is your car higer rated higher for fatalities (or serious accidents, like a Mustang 5.0 engine vrs a Taurus or Mini Van? The Mustang has a high cost of insurance because they have a high fatality ratio, people get seriously hurt in them.) Are you being surcharged now for an accident, you are usually surcharged 30% for 3 years for an accident, on the car/driver that had the accident.
To get rates on companies, or ratings....contact your State Insurance Department. Each company has to file their rates with the State, and any rate increases.
