Most car accidents occur between 5-15 miles from home. Insurance companies know this. If you're the "little old lady who just drives to church on Sundays and the grocery store a few times a week" you're at a higher risk of a collision than someone who commutes 30 miles to work. My insurance was lower when I lived 30 miles away from work, than when I worked part time 2 blocks away from home and the insurance company flagged me as someone who basically only drove for leisure.
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