Insurers want to know where you live and where you work, and these details make a big difference to how much you'll be paying on your monthly premiums.
First off, we need to look at security. Where do you keep your car at home? Is it locked up in a garage, guarded by a locked security gate, or do you park your car out in the street? Likewise, where do you keep your car at work? Do you have adequate and safe parking, or does your car sit out in the road for long stretches of time?
Second, we need to look at the neighbourhood. Certain neighbourhoods have far higher crime rates than others, increasing the likelihood of hijackings, vehicle burglaries, smash and grabs, etc.
Third, what is the distance of your daily commute? Densely populated areas with high levels of traffic or activity lead to a higher risk of accidents, thefts, collisions and injury. So, not only does the area through which you drive every day play a role, but the distance which you drive - increasing the likelihood of something unfortunate occurring - also factors into the calculations.
The safety of the vehicle in the areas in which you leave it unattended, combined with the level of risk faced on your commute, are the most important factors here.