Do you live in the same Zip Code as  your friend? If so, then you will have that same thing going for you. If you are not neighbors and live in another town, there is a good chance that this will affect your ability to find a cheap rate. Insurance companies use your residential dwellings as part of their process to determine your rate. Living in a town or city with high crime will only get you high rates, and if your friend lives in a low crime area, then you can be sure that this attributed to her low rate.