Well, here is another one of life's hacks. You can get 2 points off your driving violations by taking a defensive driving course. I took one last time and got some defensive driving course car insurance reduction rate:
Long story short, I pay an average of $350 for car insurance every 6 months. I try to keep it down as low as possible, but it's hard. Now that my job requires that I drive much more often between New Jersey and New York, I have to safeguard it all. With cops up my butt 24/7 keeping a clean driving record is no easy task. I'll do whatever it takes to keep costs down. There we go again with the money thing. Well, that's what a lot of our hard earn money goes into driving and car repairs. There's no other easy explanation or answer other than as people we need to get from point A to B and transportation is always costly and/or time consuming.