"Yeah, apparently deer are riskier than city drivers in rush hour traffic."
Haha, tell me about it... I commute daily through some pretty rural stretches, and honestly, dodging deer feels like a video game sometimes. Still, I'd bet insurers lean heavier on driving records overall—though location definitely spices things up.
Yeah, deer are no joke. Had one leap out at me last fall—missed it by inches, but my heart didn't slow down for miles afterward. Still, insurers probably care more about your driving record overall. A buddy of mine moved from Jackson out to the sticks and his premium barely budged...until he got a speeding ticket. Then it jumped noticeably. Seems like location matters, but your driving habits still call most of the shots.
Had a similar experience with deer myself—almost lost my '68 Mustang to one last summer. Anyway, insurers definitely weigh driving record heavily. Location matters too, but tickets and claims seem to hit premiums harder from what I've seen...
"Anyway, insurers definitely weigh driving record heavily. Location matters too, but tickets and claims seem to hit premiums harder from what I've seen..."
Yeah, driving record's a biggie for sure, but have you noticed how much your premium jumps just by moving a few miles closer to a city? I moved from a rural spot into Jackson suburbs last year, same car, same clean record, and my rates shot up noticeably. Makes me wonder—do insurers see city drivers as inherently riskier, or is it just about traffic density and accident stats...?
I noticed something similar when I moved closer to Biloxi a couple years back. My driving record's spotless, but my premium still jumped noticeably. When I asked my agent about it, she explained it's mostly about accident frequency and theft rates in denser areas. More cars, more chances for fender-benders or break-ins, I guess. It's not personal—just insurers crunching numbers. Still stings a bit though, especially when you're careful and haven't had a claim in years...
