"I'm glad you mentioned the multipolicy discount. Always price the home and auto insurance together and look at the total. When it comes to insuring junior, remember that the rates will be much less for a good older used car than a new high performance prestigious one. As far as traffic tickets go, many states offer a class that can be taken to avoid the moving violation ticket from showing up on your driving record. While many do deserve a ticket, there are many areas where speed traps are set up as sources of revenue. Not only do you get to pay the ticket but you also get your insurance rates jacked up for years to come. Often it may well be cheaper to hire an attorney to represent you and keep the violation off your record rather than just pay the fine without protest." – Bob

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