1. Know that you're NOT alone. Even though this should NOT be an excuse for recklessness, we all are capable of moving violations. Yes, even the best of drivers make mistakes or allow their emotions to dictate to them sometimes.
The mere fact that you understand that being guilty of moving violations doesn't make you a villain gives you the opportunity to review your actions and options intelligently. Furthermore, you'll be in a better position to avoid a repeat.
2. If you are sure that you were wrongfully charged, take steps to seek redress. That's what traffic courts are there for. And if you do get a reversal, make sure your rates are lowered to reflect this.
3. Moving violations are usually kept on your driving record for three years in most states (Some states are known to keep them for up to five years). However, many drivers still pay high rates long after those violations have been removed from their records.
If you fall into this category, call your agent right away. You are overdue for a downward review of your rate. On the other hand, you can apply to another insurer who has better rates for you.
4. In many states you can take traffic school in exchange for a dismissal of a moving violation. However, bear in mind that this depends largely on the type of violation involved.
5. Although all auto insurers specialize in auto insurance, different companies are more specialized in certain profiles than others. If you get insurers who focus on high risk drivers, you may get better rates as they have a better understanding of your profile.
If you are at all serious about getting the cheapest auto insurance quote for your profile then you'll need to do extensive comparison shopping. Get and compare quotes from five or more reputable quotes sites.
