Me too, Robyn. I lived at approximately Baseline and Guadalupe for five years until just about two years ago. I'm very familiar with Baseline and Dobson, one major intersection over. You know, my car insurance was much higher in AZ as well. AAA told me it is because the Phoenix-metropolitan area is number one for red-light running fatalities (well, at least that is what they told me when I lived there - the stats may have changed since then, but I doubt it). Maybe something about being able to get a drivers license at age 16 and not having to renew it or take a test or anything until age 65???