Common sense would dictate people living in the congested cities with higher occurrences of accidents would bare the high premiums not people living in rural areas. I took the liberty of a sky view of Peacock, Frank, there isn't much there or near it. I am betting the higher rates involve people without drivers licenses and/or insurance multiplying the issue which the rest of us then have to pick up the tab. I can imagine you gave the insurance agent a sound verbal thrashing.