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Fight every ticket. I was listening to AM640 on the way in to work on Friday (IIRC) and an insurance adjustor called into the John Oakley show and was talking about how insurance companies don't look at whether or not you have any points taken off. All they look at is whether or not you have a conviction re: a ticket against your record. If you do, no matter how big or small the ticket/fine, your rates go up.
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