A change of address sometimes surprises policyholders. Auto insurance prices tie to the zip code where one lives. Insurance companies periodically perform a statistical analysis for each area of the State of Oregon. The data may show that a particular zip code suffered more significant losses than one next door, where claims may have declined. One zip code will rise in cost while the other drops after the company releases the new rates. No one ever complains if they move to a zip code that is lower in premium.