I was surprised as well, but maybe it was the change in volume that made the change. In that, traffic used to completely suck, where it's hard to have severe crashes in traffic jammed rush hours. Then traffic basically disappeared, so people became used to higher speeds and being lackadaisical with their focus. Then start adding back some traffic but not enough for stop and go traffic. I'm just guessing there though.

I have been somewhat miffed that my rates didn't see an ounce of movement downwards. I already average less than 10,000 miles a year on a 2015 car, which has probably plummeted to easily less than 5,000 miles for each of the past two years, and yet my rates have still been ridiculous with no accidents.

It's interesting (read frustrating) that if you even get a simple traffic ticket your premiums immediately go up because the insurance's "numbers" tell them you're more likely to need a payout, but then when you literally don't drive your car, their "numbers" suddenly don't tell them that you're statistically far less likely to need them.