this is useless info coming from me because i have 3 convictions on record, but i'm paying around $5000 per year, and it should go down to around $3900 next month. Finally in april i will only have 1 conviction which should bring it down to about $2500 or so. yes i know, i am getting raped. I have no at-fault claims in my entire life of driving (18 years), but 3 speeding tickets and i am considered a high risk driver. SMH