Insurance quotes and billing vary wildly from location to location. They aren't supposed to, but they do. Most "insurance threads" culminate in everyone paying different rates based on location, driving record, age, marital status, type of coverage etc.
My car+my wifes=$1400 a year with very good coverage. That being said if I buy a new car, my total premium goes down because the car will adhere to a higher safety standard than mine was manufactured under. We saved $500 a year by buying my wife a new car in the same category. When searching and checking insurance, we found it didn't matter which car, any one would make her insurance that much cheaper, just because it was new.
When I moved 20 miles 4 years ago to a higher income neighborhood with lower crime in a better county, my insurance premium increased $100 every 6 months. I asked the lady why and she said "I dunno thats what the computer says." For fun I had her type in my parents address in the 3rd poorest county in the state, with higher crime an additional 20 miles away and my premium was $200 cheaper every 6 months.
Insurance is a scam, but a necessary evil. I have used my coverage before on a few occasions so I do not mind paying.