"I swear my premiums jumped after a new coffee place opened nearby. Coincidence...? Hmm."
Honestly wouldn't surprise me... insurers seem to factor in the weirdest stuff. My rates went up slightly after they built a new shopping plaza nearby—more traffic, maybe? Who knows with these companies.
Same here, my premiums went up a bit after they opened a new gym down the street. I mean, I get it—more cars pulling in and out, people crossing randomly... but still feels kinda random. Do insurers actually track stuff like coffee shops and gyms opening nearby? Or is it just a general "more traffic = more risk" thing?
Funny enough, when they repaved our main road last year, my rates didn't budge at all. You'd think smoother roads would lower accident risks slightly, right? But nope, nothing changed. Seems like insurers have their own mysterious logic for deciding what's risky and what's not...
First-Time Insurance Buyer here, and honestly this thread just makes me more confused about insurance logic...
- So insurers notice a new gym but not a freshly paved road? Weird priorities.
- Do they seriously track every new Starbucks too?
- Feels like they're using a magic 8-ball sometimes...
Honestly, I've wondered about this too. Last summer, my premium dropped slightly after a new grocery store opened nearby, but when they finally fixed the pothole-ridden road I drive daily... nothing changed. Makes me wonder if they're just crunching random data points or if there's some hidden logic we're missing. Maybe it's less about the actual road conditions and more about foot traffic or neighborhood activity levels? Who knows...
I've noticed similar oddities too. When I moved to a quieter neighborhood, my premium actually went up slightly—still can't figure out why. Maybe they're factoring in more subtle things like local theft rates or accident statistics rather than road quality itself... makes sense from their perspective, I guess. But speaking practically, has anyone noticed if garage parking vs street parking noticeably affects premiums? Curious if small changes like that make a real difference or if it's just marketing fluff.
