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I think that you just might be lucky, I have had the pleasure of receiving 5 tickets.... And (knock on wood) no accedents. I am 18 years old and Farmers doubled my insurance from 3000 to 6000 a year... Kinda steep dont yah think?? Umm lets see I have gotten a speeding ticket, 67 in a 50 zone, unsafe lane change, following too closeley, stereo violation, and seatbelt ticket. Since those i have curbed my driving style to that of an old lady until i get to the track
. Then again when the police in your town see your car and flip a U-turn so they can follow you, you might be a lil more at risk...

SPencer
 

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I was working a few jobs like about 50 hrs a week while i went to highschool, and the pay was good (for a highschool job). But since then i changed carriers and that went down to 3200 a year, then went back to farmers and somehow ended with 1200 a year. wink wink my secret.

Spencer
 
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