Yeah, the zip code thing is definitely legit. I've seen it plenty of times—had a client move literally two streets over, same neighborhood vibe, but technically different zip. Premium dropped like 15% overnight. Crazy how arbitrary it feels sometimes.
The cookie-clearing trick... eh, I'm skeptical. I've tested it myself a few times out of curiosity, and honestly, never saw any noticeable difference. Could be coincidence or maybe just depends on the insurer's algorithms. But tweaking deductibles or coverage limits—that's where you really see movement. I once bumped my own deductible from $500 to $1,000 and shaved off way more than I expected.
Still, even with all the insider knowledge, half the time it does feel like throwing darts blindfolded. Algorithms change constantly, and each insurer weighs factors differently. Sometimes I wonder if even the companies themselves fully understand their own pricing models...
