• RememberTheApollo_@lemmy.world
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    8 days ago

    I live in an area with a lot of aggressive and shitty drivers. I would trigger any number of negative statistics several times a day thanks to it just being how it is to drive around here. But I have an old ‘11 car that doesn’t tattle on me, so it isn’t a problem.

    • artyom@piefed.social
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      8 days ago

      Living in an area with a lot of shitty drivers would put you at high risk for a collision, which is also a valid reason to raise your rates. Thing is, insurance companies typically assume youre a bad driver, or at least a mediocre driver. They calculate your risk based on what they know. If you show them you’re a good driver they’ll give you a discount.