Try changing your mileage and tell me how your insurance rate changes. (hint: it wont. I went from driving to/from Mississauga to a 15km commute and the rate didn't change at all because it was still within the same km range)
I changed mine from 15 km to 5 km, and my rates dropped (because it was less than 10 km). I thought that was the lowest rate possible, but a year or so later I was discussing with them, and if I only drove once in a blue moon, they'd consider that I didn't use it for work purposes, and it dropped again.
It takes me less time to drive to City Hall than it does for me to get to the subway, even at 6:30 when I leave to get to a 7pm meeting. Driving also takes me directly to City Hall so I can avoid the walk from Queen Station.
So you choose to inconvenience us all to save a few minutes?
I have a clean driving record. No accidents in my 10+ years of driving.
You've been lucky. Twice I've been hit, just parked on a residential street. One hit and run, sat on a red light, in a turning lane. Lost threewindscreens and once a side window, simply driving along the 401 from stones (well the windscreen were stones - I have no idea why the passenger-side back window imploded all over the inside of the car while I was driving). Once a new tire blew-out just driving along the 401 (no damage other than the tire - but a lot of lost time). Another time I got a flat on the Gardiner (big nail - not the best place to get a flat! Didn't save any time that trip ... lol). Another time the new battery went dry on the 401, and I had to ditch it in the gravel on the left in heavy traffic, while losing all the power breaks, steering, etc (turned out the mechanic had misdiagnosed the alternator fault). Not one of these I had any fault on; all cost a lot of time to deal with. And also a couple of fender-benders on the 401 - one of which I had no fault, another I had some technical fault, and I foolishly failed to see a concrete pillar in The Bay garage at Yonge-Bloor once about 25 years ago, and another time a decade ago I made an error on an off-ramp and scraped a street light.
Sounds like a lot, but 40,000 km a year for many years, and well over 30 years of driving, and stuff happens. But I've noticed it's a lot less frequent when I'm only driving 4,000 km a year rather than 40,000.
IIt's not a lack of care of the costs of driving. Its the fact that im paying those costs whether my car sits at home or not. If Im already paying $150 a month in insurance, $70 a month in gas, why not get my money's worth?
And I'm paying $95 a month (it went up, got a new car last year) insurance and $10 in gas. The price difference buys you a Metropass, and gets your car out of my way.
