Sorry you had to deal with all that profiling bullshit in the past that just sounds so infuriating and down right disrespectful, hopefully where you are at now you dont have to deal with that as much if at all.

As for the insurance rate, the only things I can think of is maybe being without a car for some period just increases the risk profile in their algorithm for deciding the rate. I’m not sure about the statistics for this, but maybe they also correlate having many parking tickets with people who have more accidents. I.e. there may be a study that shows people with more parking tickets tend to get into more accidents or something.