I've been driving for 18 years and I've never been in an accident, (with the exception of a fender bender and no insurance info was exchanged). I've only gotten 1 ticket. It was a "you ran a red light even though it was actually yellow, but I'm a cop needing to meet my quota", bullshit ticket, but I didn't fight it.

I have no doubt that, even if my record was completely spotless, my rates still would have increased the way that they have over the years. My biggest bitch about insurance though is paying for the uninsured motorists. If an uninsured dipshit hits someone, they should be forced to sell all of their belongings to pay for the accident, (just my opinion).

You live in a Nazi state, dude.

Move to North Dakota. When I lived there I could get away with murder and only pay a small fine. Car insurance rarely ever went up.

Some company advertises that you get a rebate every year if no accidents. They probably start with higher premiums, so who knows if it is worth it.

Your zip code (where you drive) obviously impacts the potential risk of insuring you. You live in the Boston area? I'm a pretty aggressive driver, but that town is ****ing nuts

To them, your ticket DOES increase your chances of causing an accident--you're now seen as a bigger risk.

Only if you get caught.

Also, in most places minor traffic infractions can be amended to a non-moving violation if you pay a higher fine. So, no points and your insurance won't know.

You WILL get caught.

What is insurance?

Yes, you are crazy.

Yeah, don't get it dude. I've been with Geico for the better part of 10 years and never filed a claim where I was at fault. My rates have gone down consistently and they just gave me accident forgiveness. A get out of jail free card if you will because my record has been so good.

I had someone with Geico wipe his bike out underneath my front bumper pulling out of a parking lot where he was obstructed from street view and he couldn't see me coming. Geico came out and paid me, and my rates didn't go up.

Got a couple of tickets. Rates didn't go up. Added my shitty driving brother in law to my policy, wait for it...rates didn't go up. I guess this just turned into a Geico commercial, but **** it. They've been that good to me.

Go with progressive and that annoying bitch Flo.

<a href="http://photobucket.com/images/geico%20gif" target="_blank"><img src="http://i1196.photobucket.com/albums/aa416/ILikeCatsx/Gif/tumblr_lcs23gbA1p1qbxut3o1_r1_500.gif" border="0" alt="geico gif photo: WEEE tumblr_lcs23gbA1p1qbxut3o1_r1_500.gif"/></a>

Legalize weed.

You're in my prayers.

.. and you could hit somebody tomorrow injure them and your insurance could be out $500,000 or whatever your maximum liability is because that's how insurance works.

I'd be pissed about the increase of rates on a ticket as well if you've been with them for all of those years. I mean a lot of insurers will forgive an accident after X number of years so to increase you based on a ticket is shit. I'm saying that assuming you've been with an insurer for a long period. If you just switched a year or two ago then that's probably out the window.

Thats the one with Pedro Sorano.
**** you JoBoo.