Myth 11: Insurance Rates Are the Same Everywhere for the Same Driver
Some people assume that a driver with a specific age, driving record, and vehicle will pay roughly the same premium no matter where they live. In reality, location is one of the most significant factors in insurance pricing, since local accident rates, theft statistics, weather patterns, and even the cost of local repair shops all vary dramatically between different zip codes, sometimes even within the same city.
This is part of why two friends with nearly identical driving records, vehicles, and ages can end up with noticeably different premiums simply because they live on opposite sides of a city or in neighboring towns.
The reality: Before moving, even a short distance, request a new insurance quote for your future address so you understand how the change in location might affect your premium ahead of time.