I agree with jt1. When I switched to AAA from MEMIC a few years back, my rates were cut about in half.
The agent, Alma Miller in the Dime Bldg., [[now retired) said, IIRC, they looked at the exact location rather than the broader area. I know she also told me that they considered a person's credit score. She said that there was a significant correlation between a higher score and lower claims.
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