I don't think we have that problem much here in Vermont.  One area code,
802, covers the entire state.  Zip codes can be meaningful in the sense
that I can tell you roughly where any given town is based on the 3rd
digit.  But since our biggest city has 40,000 people, and our capital
has only 7500 people, and there are only about 600,000 people in the
whole state, any variation in insurance rates is probably pretty minimal
from one area to the next.

On the location thing, for the trivia buffs among you:

1st digit = 0 means you're in New England, New Jersey, or the territories

2nd digit = 5 means you're in Vermont.  (1 is Western Massachusetts, 2
is Eastern Massachusetts or Rhode Island, 3 is New Hampshire, 4 is
Maine, 6 is Connecticut, and I think 7 is New Jersey and 9 might be
Puerto Rico while 0 is Military and/or minor territories)

3rd digit = 0 is Upper Connecticut River Valley, 1 is
Windsor/Springfield area, 2 is Bennington area, 3 is Brattleboro area, 4
is Burlington/Champlain Valley area, 6 is Montpelier/Central Vermont
area, 7 is Rutland area, 8 is Caledonia & Orleans counties, 9 is Essex
County.  5 is unused.

The remaining 2 digits indicate the town's alphabetic sequence in that
district, although the numbers are not contiguous.

Just in case anyone a) cares, and b) was curious if those 5 digits
actually meant anything...

Mark J. Reed wrote:
> Likewise auto insurance rates are based on the ZIP code where the car
> is usually parked.
> On Tue, Jun 16, 2009 at 10:24 AM, <deinx nxtxr><[log in to unmask]> wrote:
>> Paul Hartzer wrote:
>>> In our neck of the woods, we often call these precincts.
>>> Precincts can be the same size as, larger than, or smaller than
>>> cities, and the boundaries may have little in common (for
>>> instance, a precinct might contain four blocks of Cityville
>>> plus the eastern half of Sometown and a strip down the middle
>>> of Whereverburg*). Other divisions that don't necessarily share
>>> borders with cities include postal zones (ZIP code areas),
>>> which usually go along city boundaries but may consist of
>>> multiple cities, or a city may have multiple ZIP codes, and
>>> school districts. People (non-politicians) rarely care about
>>> what voting precinct someone lives in, but school districts and
>>> ZIP codes can have a lot of prestige tied to them (e.g.,
>>> Beverly Hills, CA 90210).
>> Yes, a zip code can mean a lot.  I amassed quite a few credit cards with
>> high limits when I lived in 92649.  Though I didn't live in a very nice
>> neighborhood, it was in the same area code with all the multi-million-dollar
>> homes in the harbor so the demographic applied to the zipcode seemed to make
>> me a good risk.