More Isn't Always Better

Of course, having increased insurance is better, but that isn’t always the case. Especially, if you haven’t proven yourself a good driver who cannot avoid over speeding and accidents, you are unlikely to get a break. Because insurance firms typically base their clients’ premium on what they expect to have to pay for their future driving habits.

Meaning, the more citations, tickets, and accidents, the higher the premium will be. To avoid paying for the same coverage twice, make sure to read up your insurance policies. If you are racking up points on your license and always been accident-prone, then expect to pay a premium.