I agree. It's not that I don't understand that, but you are taking me saying I abuse the car as in I run into stuff and ruin the transmission. In reality I am just saying I drive a little more rough when the car isn't mine. Floor it, slam on break, but never endanger myself of someone else. I don't know, I thought this was the code of the rental car.

I'm going to go with some people are like you, and some people are like me. And the rates reflect the middle and won't change too much. Accidents are random and happen to people that take good care of their cars and people that don't.