Does my place of residence affect my quote?

Yes, place of residence does play a role in deciding your insurance premium. That’s why the second step of our car insurance calculator will ask you for the RTO under which your car is registered. If you live in a metro city, you might receive a higher premium amount.
This is because metro cities have congested roads and many more vehicles than Tier-I &II towns. Therefore there is a higher risk of accidents. Since the basic concept of car insurance is based on risk-sharing, your car insurance could be higher based on where you reside.