I use my car for groceries (sometimes, when buying large quantities and/or heavy things) and weekend jaunts. If I ever get to start my damn job, I'll probably walk or bike most days, as it's two miles away. As far as the insurance company knows, I work at home (currently true). Rick takes the bus to and from school every single day.

The fictional but common JoeBob Orangecounty drives 60 miles a day to work, each way, and lives in a subdivision and must drive his car pretty damn much everywhere: the post office, Blockbuster, Applebees, Sprawl-mart, Crap-You-Don't-Need Emporium...

Who has to pay more for car insurance? The people who rarely drive (and who, as a rule, have a lot less money than their suburban counterparts). Why? Because they live in the Big Bad City and Bad Things Might Happen. JoeBob OC, however, parks his high-use car in a gated community full of white people every night, so he gets a cheap rate. Never mind that he drives, like, thousands more miles per week and thus is that much more likely to get into an accident the insurance company would have to pay for.

AAARRRGGGHHHH! Urban rage! City girl SMASH!