You ought to understand how many tickets you’ve had recently. If you fail to remember just how long that speeding ticket continues to be in your record, seek advice from your state’s department of motor vehicles. In case a ticket or points you earned are about to disappear, thus giving you better driving history, wait until that takes place before you get quotes. Nothing drives in the price of insurance like a bad record.

Shares of some top insurance companies are down at 10 a.m.:ACE L fell $.44 or .6 percent, to $72.43.Aflac Inc. fell $.33 or .8 percent, to $39.52.American International Group fell $.18 or .6 percent, to …