xDOriginally Posted by Not At All Reno
The problem is, if you are a male under the age of 25, you are already at high risk. Getting a speeding ticket only confirms to the insurance company that you are a big danger. Also, parking tickets don't have anything to do with auto insurance.
I don't like paying insurance on my car, but I want to drive so I don't have much choice. My premium is pretty low since I have a clean record, earned good student discounts, and drive a 95 Corrolla and only keep liability on it.
I was hit from behind at an intersection last year by someone who wasn't paying attention. Totally screwed up the back end of my car. Fortunately, the other driver had insurance and my $2000 in repairs plus $500 in a rental car was completely paid for. Since it wasn't my fault and I didn't have to file a claim with my insurer, it didn't affect my premium in any way. If the woman who hit me hadn't had insurance, things would have been a lot worse.
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