It´s important to know that the address of the driver has an impact on the car insurance rate. The web site cheapcarinsurance.com has an estimator of car insurance. It works out the rate of insurance based on whether the driver lives in an urban area or in a rural area. That´s why those who live in metro areas have to pay less than others who live on rural areas. The companies evaluate the different risks considering the places where the drivers live. It´s more probable that those who live in rural areas have fewer accidents.