On 02/03/2016 11:34 AM, DerbyDad03 wrote:


Last November my agent called to tell me that Travelers was going to move
me to their tier system. They increased the amount of coverage for certain
items while reducing my rate by ~40%. The monthly reduction basically covers
the loan payment on the used car we just bought for my oldest daughter.

Sweet!




One reason my car insurance is low is because I have no moving
violations. Got a speeding ticket a few years back and I was so polite
to the small-town policeman he told me to take it to court and "they'd
do something to help me out."

It was a $90 ticket and I said, that would not be necessary, but he
really urged me to take it to court.


Then I realized that for insurance purposes I did not want that on my
record, my rates would probably go up...so I went to court and before I
could say anything, the magistrate asked me if I'd like it changed to a
non-moving violation with the same fine...so my insurance rates would
not go up.

That was easy.

After I got home I pulled the paid ticket out of my pocket to see what
they got me for. Yikes: Vandalizing a street sign! So now I am a
hardened criminal but one not paying much for car insurance at least.