Carrier Appetite + Zip Codes: Why Switching Works Sometimes (and Sometimes Doesn’t)
You run the same quote with three carriers and get three wildly different prices. Or you move a few miles, change
Read More →ZIP/territory rating
Direct answer
ZIP and territory rating can move base premium tiers, even when drivers and vehicles stay constant.
Why it changes price
- Territory reflects claim patterns, repair costs, medical costs, and litigation environment.
- A move can change territory class even within the same metro area.
- Carriers may have different appetite by territory, widening quote spread.
Decision rule
If your rate jumps after a move, shop for territory appetite fit before cutting coverage.