<prompt> Human: We are the same age. Bank through the same credit union, both insure through geico. Im not sure why im paying so much more than him. I drive a Kia Forte and he drives a toyota rav4. Both cars are 2011. And neither vehicles have been paid off though his car was almost twice as expensive as mine. Is there anything i can do to lower my insurance costs? Ive only been in one accident and i got rear-ended so it wasnt even my fault. Also we each are on our own insurance policy. I dont understand how our bills are so different despite the fact that our situations are exceedingly similar. I really need to cut back on money spending since my housing situation is falling through. Any information that could help me better understand whats going on would be appreciated. Thanks Edit; If you need any more info please just ask, i tried to include everything i could think of Edit; SORRY im stupid and didnt know what leasing is. Guess i actually bought my car. Sorry for the mixup. Wish i could edit the title..  <response>: Do you both live in the same area? I used to have Gieco and they nearly doubled my rates just for moving a couple miles from one rural area to another rural area but in a different county. I promptly switched insurance companies and went back to paying what I was before I moved. 