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Why does insurance cost more in Houston than Austin or Dallas?

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fitness411
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I’ve also noticed that even switching zip codes within Houston can bump your rate up or down for no obvious reason.

Yeah, that’s been my experience too. I moved just a few miles and suddenly my premium changed—no accidents, same car, nothing else different. Makes me wonder if it’s more about crime stats or maybe traffic density? I get the flood zone thing after Harvey, but sometimes it feels like they’re just guessing. Has anyone actually seen their rate go down after moving, or is it always up?


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