Many car insurance copamnies are in the practice of determining basic rates, not only on the driver's record, but on the buyer's zip code. The reasoning behind this is that, in some areas, statistics show a greater number of collisions and claims made. Perhaps the insurance copamnies believe that bad drivers seem to congregate in certain areas.In any case, since insurace copamnies are in the business to make a profit, they can use these statistics to justify whatever they want to charge their customers.By the way, if you, falsely, reapply under an address that is no longer yours, THEY can, not only deny any claim you make, they can sue you for perjury and who knows what else.