I stopped driving about 6 years ago. I live in a very walkable city and work from home so I sold my car. The few times I do drive it's now very overwhelming. I'm just glad to know it's not just me.
I think my first time driving through SF’s morning commute to the peninsula was a little harrowing.
But not afterwards.
I zipcar, rental car, or some other one-off service whenever I want and its like riding a bike to me.
Us city slickers should probably pay more for car insurance when we do own a car, instead of less. All the insurance company seed is that we havent had crashes or tickets in years, so therefore we deserve lower rates.