> It isn't just about your driving performance, if you're driving in places or intersections

To underline this, I had an enlightening moment with my auto insurance company years ago. I worked a handful of miles from where I lived, but the only way to get between the two was a freeway that is infamous for not only being highly congested (my average commute was a 45 minute drive each way), but for the numerous accidents that happened on it.

I moved much closer to my work, and when I updated my insurance policy with my new address, my premium was cut to nearly 1/3rd what it was before.