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Some states enable insurance businesses to foundation your insurance premiums, partly, on your own credit score. California has laws set up that avoid insurance companies from using your credit rating score when setting your rates, which means drivers in L.A. received’t see their insurance premiums adjust, regardless of whether their credit score score variations after some time.

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Variables exclusive to Philadelphia, including narrow streets and elevated theft rates, also lead to the higher cost of insurance. Slim streets can cause much more Recurrent mishaps and higher repair service charges, although the upper incidence of theft raises the danger for in depth insurance statements.