You will find that geography is only one factor. Other factors include age, points, claim history, and credit score are factored in.

Because of this the best advice is to shop around and look for other ways of getting discounts. For example, if you increase your deducible by $250, sometimes you can get more than $250 in savings over the year. The only caveat I have is that you better have that extra $250 in your checking account. Also look for other discounts. Many insurance companies will give you a discount if you are a college grad, belong to a professional organization, or combine your policies [[for example home-owners, renters, with your auto).

In addition look to have your PIP coordinated if you have good health insurance at work.