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White said when insurance companies assign a premium, they look for drivers with a similar driving history and age among other factors. Companies can’t ask about ethnicity and can’t use your credit history or employment status, and they don’t know where you drive.

http://www.theglobeandmail.com/globe-drive/news/trans-canada-highway/when-it-comes-to-auto-insurance-home-is-where-the-hike-is/article26476324/