Mainly, insurance rates depend on your own independent driving record. If one drives more safely in one environment, odds are, a lower payment system can be expected.
"Yes. In the same rate that a home insurance rate is different than a car insurance rate, caravan insurance rates are usually different than car insurance rates, because caravans are not cars."
I don't live in either one but I have to say that I have been to both and I prefer the rural area much more than the urban. The countryside has much cleaner air. I could just smell the difference!...