A lot of people aren't aware that there have been some major changes in how insurance carriers rate their drivers. Nowadays tickets, accidents, DUI/DWI, violations, and suspensions do not play as big a role in determining insurance rates as they used to.
Since the mid 1990s there's been a major shift in car insurance carriers' appetites and the way every auto insurer looks at its drivers and the way they drive.
As recently as 1989 there were not too many
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