Everyone in this groop is very condescending! You know when someone has English as their second language you can be very rude. Just because i spell bad sometimes and don't always get the grammar right its not that I am stupid! As far as insurance, it depends on the size of the city. Some areas like NYC and Boston have higher premiums because of the crime and population. Also some insurance companies charge more because of the service and quality you get vs. some that don't. I don't appreciate you're ways of treating people.