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Here is a link to a survey which demonstrates the importance of comparing rates and how applying this “rule”, in any state city or zip code, can help drivers save 32% and $368 per year. A second survey which analyzed car insurance quotes for 1,000 zip codes across the U.S. found that within a given zip code, rates vary by 154% on average, allowing drivers to find an average of 32% and $368 per year in savings.