Did you know your ZIP code is one of the biggest factors in determining your car insurance rate? Moving just a few miles within Louisville can either raise or lower your premium. Insurers look at things like local traffic density, accident rates, vehicle theft statistics, and even weather patterns in your area.
So, if you relocate to a neighborhood with lower risk, you might see your premium drop. But moving to an area with more claims history could make your rates go up—even if your driving record stays the same.
That’s why it’s smart to compare cheap auto insurance Louisville KY whenever you move, even within the city.
Have you ever noticed your premium change just because you changed your address?