A URL is a lot easier to remember than an IP address. Trying to recall sets of numbers from memory can be difficult. Also, a URL will remain the same. Some ISPs use dynamic IP, which means that it will change periodically. So you would never get to remember the addresses for all of your favourite sites!
A URL can also link to a particular page within a server. Most servers don't have the website on the root of the Hard Drive, similar to saving things to My Documents rather than C:.
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