Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Car insurance is a necessary expense for drivers, but the cost can vary significantly depending on several factors. One factor that can have a surprising impact on your premium is your zip code.

On July 1, 1963, the U.S. Post Office Department introduced the ZIP code program to get a handle on the heaping surplus of mail. Today, those five digits represent much more for American society. Back ...