I’ve seen some pretty safe drivers get hammered just because of their zip code.
Yeah, that happens more than folks realize. It’s not always about your driving record—sometimes it’s just where you park your car at night. I’ve seen people with spotless records in rural Idaho paying more than city drivers with a fender bender or two. Part of it’s the smaller risk pool, part is fewer insurers competing for business. Accident stats matter, but they’re not the whole story... it can feel pretty unfair, honestly.
I get what you’re saying, but man, it still blows my mind how your address can matter more than your actual driving. Like, I’ve been paranoid about every little thing since getting my permit, but then I hear about people paying double just because they live in a “bad” zip code. Makes you wonder if being careful even counts for much. Idaho’s weird for insurance, too… less competition means they can pretty much charge what they want. Not exactly motivating for us newbies, you know?
