Why pay $500 per month to insure your car with a Detroit when you can pay ~$200 per month [[and save money) to insure your car with a suburban address?
Because whatever location your car is registered at is how the insurance companies determine where to set your insurance premiums.
Except for the fact that people can have multiple properties with leases and mortgages and utilities in multiple locations. It is up to those people to determine where they want their primary residence to be.
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