By Chimezirim Odimba

Speeding tickets might look negligible but we know they aren't once they accumulate. They seem to be headed in only one direction: Up. In addition, the only impact they have on your auto insurance rate is make it higher. If you get into the habit of getting many speeding tickets, it will show on your license and make your auto insurance too expensive.

What happens if you get yourself to a point where you can NO longer cope with your auto insurance rate? Is living without driving your car feasible? Or would you consider the extreme of becoming uninsured -- (which is law-breaking)? Uninsured driving can land you in jail. So it does pay to get a hold of your driving and avoid "them" tickets. As you take care of that, here are other things that you can do to bring down your rate...

1. Take part in a defensive driving class. Apart from the fact that this will make you a better driver, it will show your insurer that you're ready to change for the better.

2. If you live in a high crime zone, consider moving to a quiet or low crime zone.

3. If you currently drive a sports car or SUV, you may consider driving a more regular car. A switch to a smaller car will save you premium dollars.

4. Whenever possible, use the mass transit You need to keep your mileage as low as possible if you want to pay less.

5. You could save some hundreds of dollars by just obtaining and comparing quotes from about five insurance quotes sites. And, it will take you only about 25 minutes on the whole.

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