I have driven in most of the major us cities without incident. I have driven in Italy, where things such as speed limits and yielding are not hard and fast rules, they are only suggestions and Bostom is, by far, the worst place I have ever driven. But, your insurance rates don't seem to be out of line. There must be some kind of quantity repair discount!
During times of universal deceit, telling the truth becomes a revolutionary act -George Orwell