HARTFORD, Conn. -- Residents in Hartford -- the city often referred to as the insurance capital of the world -- seem to live in an insurance premium predicament.

Channel 3 Eyewitness News reporter Mike Hydeck reported Hartford residents pay more for car insurance than just about any other town or city in the state, in some cases, by as much as double.

Link: Connecticut Insurance Department Tips: Saving Money On Auto Insurance

"For six months, I pay close to $2,000 for two cars," said Neville Thompson, of Hartford.

Eyewitness News compared price quotes from(on, not from) the Internet for a single man in his 30s who has a clean record and drives a 2000 Dodge Durango sport utility vehicle.

Such a person would pay $480 for a six-month policy if he lives in a big city like Stamford. He would also pay $480 for the same policy in rural Willimantic.

But in Hartford, the same man, car and driving record would cost $950.

"We here in Hartford, we are not the ones causing the risks. Those people who coming into Hartford are the ones causing the risk because you have more people coming in in the mornings and the evenings," Thompson said.

That's actually not the case. According to the insurance experts, commuters coming into Hartford for work take their insurance liabilities with them when they leave the city.

"If you live in Simsbury, and you drive into Hartford every day for work, and you cause an accident in Hartford, the costs associated with that accident are not allocated to Hartford for purposes of determining rates, they are allocated to Simsbury," said Bob Kehmna, president of the Insurance Association of Connecticut.

In some cases, the rates are so high that they send people out of the Capital City. They may not be moving, but as far as the insurance companies are concerned, the cars are.

"A lot of people, in order to cut the insurance, they have to use somebody else's address," Thompson said.

"It's a simple fact verified by decades of data that urban drivers are more likely to incur losses than non-urban drivers," Kehmna said. "That fact has to be reflected in rates to be fair to be equitable."

Hydeck reported that data must be approved by the state Insurance Commissioner's Office.

An option to help reduce insurance costs is to buy two or more policies with the same insurance company.

"If your homeowner's insurance is $1,000 a year and you're with one company, and auto insurance is $2,000 a year and you're with another company, and you put them with one company, you save $150 on your home and $300 on your auto. So, you're talking about $450," said Bob Vaugh, an insurance agent.

Another tip for saving money includes shopping around. Connecticut has more than 150 companies approved to sell policies in the state.

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