Location has a huge impact on insurance. A freind of mine who lives 100+km from melb literally pays half the price i would be paying if i had the same car. Same modification, history ect. The fact i live in a meteropolitain district means statistically i am much more likely to have my car stolen from large shopping centres, greater chance of a minor accident in traffic ect. Individual Suburbs attract varying costs. Anyone know if there is list of high premium suburbs avaliable?