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There are, of course, a number of factors that can determine an individual driver's auto insurance rates. Some of these are factors a driver can control, such as their credit history or driving record. Other factors are beyond a driver's control.

Location may be one of those non-negotiables.

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Elana Ashanti Jefferson

Elana Ashanti Jefferson serves as ALM's PropertyCasualty360 Group Chief Editor. She is a veteran journalist and communications professional. Reach her by sending an e-mail to [email protected].