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Have you ever discussed auto insurance with a friend, only to find out you pay substantially higher premiums? Everything being equal, it probably has nothing to do with they type of cars you drive or the zip code in which you live.
About 90% of all insurance companies now use "insurance credit scores".
When you call an insurance agent or insurance company for an auto insurance quote, the first step is to run your score. This determines what "tier" you are placed into. Some companies have up to 40 tiers. Once it has been established which credit tier you qualify for, other factors are then accounted for: your zip code, vehicles, driving record, and discounts.
Two neighbors could call around for an auto insurance quote and have the exact same vehicles, both with clean driving records, and qualify for the exact same discounts. The one with the better insurance score will pay less, some times alot less.
What determines this score varies from insurance company to insurance company. The best advice is to call your agent and find out what tier you are in. Find out what factors their company uses to determine good scores from bad.