Quote:
Originally posted by VaSteve
Statistically, you spend most of you time near your home. Think about it. 
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I know that, but I think the key is that drivers are more distracted and complacent near home. I don't think driving 15,000 miles a year is more dangerous just because you own real estate in the area. I believe if the person drove 12k a year on the highway and the remaining 3k near their home, the latter would be the riskier because that's where people do their worst driving.