Native Ohioan......sounds like you're all too familiar- must be in PHX also? I actually asked my NEW insurance agent why the rates are so high here. He said a number of things, really. All I know is, the Friday AM drive time report involved FOUR single car accidents (can you say rollover?)- and that didn't include all the collisions.
What's up with that? I had a Grandma try to race me to an intersection that was obviously under red light, some expedition-driving chic took a swipe at me in the crosswalk at walmart, and a guy in church bus blew my doors off today (while trying to make a turn lane).
But I love it here.