I know that when I shop for the right kind of auto insurance, it isn’t exactly something I enjoy looking for, and I know why. It all has to do with the simple fact that insurance companies hold me responsible for my past actions, from speeding tickets to driving without a license. They do this as a deterrent to driving in an unsafe manner, and they reward you when you drive safely for long periods of time. Thanks to my auto insurance company, I have been making sure to be very careful on the roads in order to avoid more tickets, as well as raising my insurance rates because I’m an unsafe driver.