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in some ways it probably doesn't matter - if you are an otherwise safe driver that lives in a county full of side-swiping jerks then your rates will go up becau
by munin 11y ago
in some ways it probably doesn't matter - if you are an otherwise safe driver that lives in a county full of side-swiping jerks then your rates will go up because you're a higher risk to the insurance company than a safe driver that lives in a county full of other safe drivers. they already do this by considering where you live and work when calculating your rate.
you are a higher risk, because you live around a bunch of jerks. is it your fault? not really, but the insurer isn't there to assign fault, they mitigate risk.
- alyandon 11y agoTrue, I already pay a higher premium due to living in a large city. However, my point is I believe insurance companies will intentional use the data they gather about one's moment to moment driving habits in order to justify premium increases they otherwise couldn't - even for safe drivers.