Car free for a decade! I think my first time driving through SF’s morning commute to the peninsula was a little harrowing. But not afterwards. I zipcar, rent

Car free for a decade! I think my first time driving through SF’s morning commute to the peninsula was a little harrowing. But not afterwards. I zipcar, rental car, or some other one-off service whenever I want and its like riding a bike to me. Us city slickers should probably pay more for car insurance when we do own a car, instead of less. All the insurance company seed is that we havent had crashes or tickets in years, so therefore we deserve lower rates.