skeleton567 - Thursday, January 10, 2019 6:12 PM
In terms of risk; living in a zip code with a higher prevalence of bad drivers (careless drivers, uninsured drivers, driving while on the phone) is equivalent to living in a hurricane hazard zone. The bad drivers themselves pay the highest premiums, but many of them simply choose to drive uninsured.
"Do not seek to follow in the footsteps of the wise. Instead, seek what they sought." - Matsuo Basho