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Policyholder location looms large when it comes to determining auto insurance premiums.

When a driver applies for coverage, that insurance carrier is likely to consider the area's claims history including how common auto thefts, break-ins and accidents are in that locale. The more common and pricy these events, the more expensive it will likely be to insure a vehicle there.

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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].