It is trivial to spend much, much, much less money on parking than you seem to imagine is common. You don't need to park downtown, which is well-served by BART

It is trivial to spend much, much, much less money on parking than you seem to imagine is common. You don't need to park downtown, which is well-served by BART, Caltrain, Muni, etc. (and which is a nightmare to drive in anyway). Parking at a BART station is $2 per day. If you want to spend thousands of dollars a year on unnecessary parking expenses for the dubious convenience of having a car downtown, hey, more power to you. But you clearly are not very driven by cost-consciousness. No meaningful fraction of your insurance costs for your car cover the time it is parked, because your car is not meaningfully at risk when it is parked. You do, in fact, tell your insurance company how much you drive your car when you pick up your insurance. You don't get to do this on a week-by-week basis because of transactional costs[1], but it's part of the standard form you filled out when you got your insurance. Uber drivers need to carry much more, and more expensive, insurance than you do due to the fact that they drive much more (and routinely have strangers in their cars). I can't imagine how you think that maintenance costs are driven down by driving more. Is it your contention that driving more makes your car work better? [1] Actually, I think that some insurance companies are experimenting with monitoring devices in cars that give you a lower rate, so maybe this is becoming more possible. But I'm not at all familiar with the details.