When you apply for insurance, your insurance company will ask how long your commute is. They will also consider where you live. These are factors which go into their "underwriting" formula for determining your rates. Obviously, whether you were ever in a car accident and were at fault will affect your rates. But, many people don't realize where they live and where they drive affect their rates too. If you are not sure how your insurance company came up with your rate, you are entitled to ask them for an explanation.
What roads are more dangerous?
Injured in a car accident on Route 100? Hurt in an auto accident on 422? Truck accident on the Turnpike or Route 73? These are all common locations in the Chester County, Montgomery County and Berks County areas.
Which road is more dangerous? My view is that they each have certain dangers. Route 100 has a lot of sharp turns in the area from Pottstown to Exton which are on hills. So, in bad or icy weather, Route 100 is a rough place to drive. On 422 a common auto accident involves heavy traffic, stop and go traffic and a rear end accident. Someone was driving too close for conditions.
The best thing to keep in mind is to leave a safe distance in front of you and go with the flow of traffic.
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