Rates vary from state to state, sometimes county to county, since underwriting risks are different. While your driving and claims history may be good, is your credit rating also in good shape? Many carriers evaluate credit scores along with risk in setting rates.

Nearly all aspects of insurance deal with "risk tolerance" so examine deductibles; replacement cost coverage; personal umbrella policies; special coverages for valuables. Then also look for discounts like multi-policy, good driver, good student, rebates or deductible waivers, accident forgiveness, alarm discounts, safety equipment discounts.