Location can be a factor but also age, credit history, etc. Many other things to consider. Don't get me started on credit history... _all_ states should make this illegal.
As far as rates being lower from one company to another, one thing to also consider (but it's never done and not very practical) is that some policies are modified more then others to exclude certain thinks. This needs to be approved by the state so its limited, but it's done. Chances are you will never have a claim for one of these differences but they do exist. But who every gets a copy of the policy from the company for review before they buy the insurance? I've never heard of it being done.
