rxis, can you attend traffic school here in OK? I'm not sure if you can but in California, we could take a class and get the ticket off of our record.

I haven't had an accident and I've had one ticket in 26 years so I'm no expert on insurance but I use American National and combined with my HomeOwners policy was the best value I've found.

It helps to carry a high deductible - I go with 1000 deductible and keep an open credit card to use in case of emergency to cover that. If I have a claim under that, it doesn't make sense to claim it as my rates will go up. I hate insurance.

Good luck to you -

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