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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).
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