I am in the heart of the west end of Richmond, VA, so that may be a reason why, but my location was the same as the other two cars. I do have 1 accident that I was faulted for by the insurance company (no ticket given) so I am sure that may have an affect (even though it has not affected my rate until this point. I did not even think about credit, but according to my bank, I have perfect credit so thats not even a factor. Its a mystery to be sure, but definitely shop around before settling for any one company at least every 6 months.