Not in the insurance industry, but as someone who is aware of how they price risk: the zip code you park in at night heavily influences loss rates (and therefore premiums) and self-reports of it are not always accurate.

Different types of insurance price comprehensive in radically different ways. I was considering getting classic car insurance from a different company than my regular insurance. They heavily penalize you if you park in the city, and especially without an individual locked garage. That kind of makes sense, but my regular insurance penalizes you if you park somewhere other than you live, even if it's in a low-crime suburb and not exposed. They are fine with parking in the middle of the city. So the optimal strategy depends on which insurance you go with because they have very different prejudices.