I live in Mississauga and the driving here is beyond belief. Driving with your high beams on, gunning it through yellows, racing full speed through reds, u-turns in the middle of the road have now been improved by u-turns in the middle of intersections. If you have ever watched those hilarious videos about driving in Russia, China an India, you may get some idea of the quality of drivers. It can be dangerous, if you don't constantly keep a eye out and I fully understand why the insurance costs more.