"Insurance companies break areas into 'rating zones,' and your zip code is one of the key factors. They look at things like accident frequency, theft rates, and even how much it costs to repair cars in that area. So your zip code could mean you're paying a lot more or a lot less depending on which side of the street you're on."
"I was very surprised that my rate was going up now. In my last neighborhood, my catalytic converter had been stolen while my car was parked…Our new home has a garage and is on a quieter street, so I was expecting my insurance rates might even go down a bit."
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