My Neighbor And I Have The Same Auto Insurance Policy. Why Is He Paying So Much Less? 
By same auto insurance , I assumed all the coverage are the same aside from being the same company ? Eg . liability limits , UM/UIM , PD , PIP . With everything being the same , the other factors can still be a variety of items . Your driving and claims history . Your marital status , credit score , education level , type of cars , rental or homeowner , occupation and on it goes . 