Travis Browne can’t wait to get back into the Octagon. After a disappointing loss due to injury versus Antonio Silva, ‘Hapa’ wants to show the fighting world that his last bout was a fluke.

In an interview with ProMMANow.com, Browne stated, “coming off this loss I really have something to prove, not to everybody else but to myself, knowing that that’s a fluke and that my train has been derailed only because my body gave out.”

Browne will be fighting UFC® veteran Gabriel Gonzaga. After a yearlong break, Gonzaga returned to the Octagon in 2012 with a first-round submission of Ednaldo Oliveira at UFC 142. Most recently, the onetime heavyweight title challenger tapped Ben Rothwell with a memorable guillotine choke in the second round of their UFC on FX 7 bout. Browne on the other hand went unbeaten in his first five UFC® appearances before suffering the TKO defeat to Silva at UFC on FX 5.

“I’m feeling as strong and ready as ever,” said Browne in a Tweet to @SafeAuto. The state minimum auto insurance company is excited to support Browne with logo representation on his entrance hat and fighting trunks as he looks to get back to his winning ways.

It's no secret that auto insurance rates can vary from zip code to zip code, or even person to person. After all, we're all different, and even the most generous insurance company is very granular and careful in its approach to each policy.

Nonetheless, a recent study has demonstrated that even between two people who are absolutely the same in terms of driving record and vehicle and who live in the same zip code, rates can vary by a staggering 33%. But why is this the case... and what can you do to avoid overpaying for insurance?

Let's start with where the variation comes from in each policy. It's all about the data the insurance company collects, the data they compare it to, and how important each data point is.

What Data Are They Looking at?
Auto insurers look at a truly enormous amount of data about you, your car, and where you live. Your driving record, your gender, your age, any gaps you may have in coverage, and other factors that we all know about will come into play as they assess your policy. This isn't really a secret, of course: We all know that insurance companies look at us closely.

But there can be dozens -- or even hundreds -- of other factors that go into determining the risk when you hit the road. The key point here is that insurance companies are looking for patterns: This type of person tends to be a better or worse driver based on the histories they have available. Compounding the issue is the fact that some companies won't even look at data that other companies will; you never know who is looking precisely at what.

Who Are They Comparing You to?
This brings us to the second factor: historical data. The more drivers a company has that are exactly like you, the more accurately they can predict your risk. The less data they have, the more inherently risky insuring you, or anybody like you, is. As a result, companies with more data to draw from can have wildly different rates from ones with less data.

Finally, there's the matter of weighing the information properly. For example, your insurance company can easily determine your eye color, but it's unlikely having blue eyes will make you more likely to crash your car. But small factors can make a big difference, depending on how important each insurance company views each factor. Things that are no big deal at one company may make you more of a risk to others, and there's no way to tell what factors are weighing you down.

Bottom Line: How Do You Ensure You’re Not Paying Too Much?
So, how do you avoid being overcharged for your insurance? Fortunately, it's pretty easy: Shop around. Get quotes from as many providers as possible, and don't hesitate to ask questions, especially if your rate is higher from one company: Ask why their quote is higher and what they might be able to do to lower it. Find drivers who are similar to you and ask them what insurance they use and why.

Do that, and you'll be getting better rates on your insurance, no matter what the data is supposed to say.

Here's a fact that will surprise you: over the last fifty years, the number of vehicles on the road per American has just shy of doubled. While this trend has slowed since 1990, the number of cars per person is still steadily inching upwards.

Other odd trends have also come to light. For example, another figure that has steadily increased is the age of the average car on the road. The average age of the American car is a jolting 10.6 years and it's been steadily rising a decimal point or so a year since 1995. There are a lot of reasons for this. Cars are built better now than they ever have been, drivers are more aware of safety problems and cutting down on bad behavior such as drunk driving and people are consistently more frugal. That last one is especially important as new car prices have hit all-time records recently. Your average new car will cost you over $30,000.

All of which raises the question of how many cars will you own in your lifetime?

Let's run a few numbers. The average American life expectancy right now is 78 years and it's been steadily rising since 1970 at roughly a quarter year or so, every year, as medical technology improves and we learn more about human health. All of this is assuming we don't have a major medical breakthrough in our lifetimes, like turning cancer into something annoying you get rid of during a physical, which isn't a safe assumption. Let's stick the current yearly increase. We also took the liberty of assuming that owning your own car starts at the age of 18 since we're not going to insure a seven-year-old driver.

Similarly, we're assuming vehicle trends of the average age of the fleet rising about .1 years or so, every year, stays constant. That's a bit of an unsafe assumption as well. The EPA is going to require an average fuel efficiency of the US fleet of 54.5 miles per gallon by 2025 so everybody clinging to their 1995 Geo Prizm might finally be forced to take that eyesore off the road. However, it’s stayed consistent throughout the last seventeen years, so sticking with it makes sense.

What are the results? Right now, your average American will own almost six cars in their lifetime. Of course, that'll just be an average. Some will own more and some will own less. If that sounds high, stop and think about it. You've got a car, your spouse probably has one in his or her own name, your teenager may well have one in your name and you might have one for work. Not a lot of contractors want to drive their F150 to the grocery store.

However, by 2030, life expectancy will be up to 82 and your average American will only own five cars. The good news for the car industry is that we won't drop to four cars purchased until the 22^nd century.

Cars will probably cost six figures by then but they will last for two decades. Also, for that kind of money, by the 22^nd century they'd better fly.