[reldridge]

Same thing happened to me 7 years ago. 3 speeding tickets, and 1 proof of insurance (forgot to put the new card in my glove box, 14 days after expiry). Belair wouldn't renew me as they pulled my driver's abstract, so I had to go on 'high risk'.

You shouldn't have to go on facility insurance, as it's more expensive than 'high risk'. Find a local broker, and see what they charge you. Forget the big companies. Luckily, I only had to wait 6 months, as I had 1 ticket drop off. Then back to Belair, as I still haven't found anybody that can touch their rates.