Yeah, insurance logic can feel pretty random sometimes. I've got a classic Mustang, and even with a spotless record, my rates jumped when I moved closer to Jackson. Just keep driving safe—eventually they'll cut you some slack...hopefully.
"I've got a classic Mustang, and even with a spotless record, my rates jumped when I moved closer to Jackson."
That's not uncommon, actually. When I relocated from a rural area to Gulfport, my premiums went up noticeably despite no claims or tickets. Insurers factor in local accident stats and theft rates heavily... location often outweighs even a clean driving record.
Yeah, honestly it sucks but that's just how insurance companies roll. Like you said:
"location often outweighs even a clean driving record."
They care more about statistics and risk zones than how careful we actually drive... frustrating, but that's reality.
Like you said:They care more about statistics and risk zones than how careful we actually drive... frustrating, but that's reality.
I get what you're saying, but honestly, doesn't it make sense that location matters more sometimes? Like, imagine you're a super careful driver, but you live in an area where accidents or car thefts happen all the time. Even if you're personally cautious, the risk around you is still higher. It sucks for sure, but I kinda understand why insurance companies lean on those stats...
Still frustrating though, especially as someone just getting insurance for the first time.
Yeah, I totally get your point—it's definitely frustrating when your premiums go up just because your neighbor can't parallel park without hitting something, lol. But from the insurance company's view, they're just playing a numbers game. I once had a client who moved literally two streets over and his premium dropped by like 15% overnight...same driving record, same car, just a slightly safer zip code. Crazy, right?
On the flip side, I've seen people with spotless driving records still paying high rates just because their area has a history of theft or vandalism. It's annoying, but it does make sense in a weird way.
Makes me wonder though—would you guys rather have insurance rates based strictly on your personal driving history, even if it meant higher premiums for minor mistakes...or stick with location-based pricing knowing you might get penalized for someone else's bad driving?
