I have heard about so many bad things that can happen to your vehicle when you live in the city. For one, the crime rate is so much higher. Things like broken windows and stolen car stereos happen on a daily basis in basically every single neighborhood. Then there is always the traffic congestion. This causes so many car accidents on the freeways. You can not turn on your radio without hearing a warning about an accident causing traffic jams. I could not imagine going without my Ontario car insurance when all of this is going on. It is nice to know I am protected.