Insurance woes

[Shaun Mullen <smullen@philly.infi.net>]

I too pay about 5Gs a year to insure my quattro because of speeding
tickets.  It did not matter to the police officers, insurance company or
state in which I insure my Audi whether I was an experienced driver in a
roadworthy car with a Momo wheel who was not endangering anyone, a creep
high on crack cocaine weaving in and out of traffic in a beat-to-spit
Toyota, or an elderly housewife rushing home in her Buick Regal to watch
Riki Lake.  I was caught speeding not once, but twice, and in the
present legal and political climate, that is all that mattered.  Finding
cheaper insurance rates and more creative policy-writing on the front
end can make a difference, but if you're caught speeding in most states,
your butt is going to be farmed out, like mine, to "pool" insurers who
will show you no slack or mercy.  Ever.  One of my two speeding tix is
three years old next week, and technically no longer an albatross around
my insurance neck, but the substantial surcharge on my annual premium
won't come down until next December, when my policy is up for annual
renewal.  Speed if you will, dear friends, but if you're caught, it
matters not to anyone but you that you're doing so in all-wheel style.