People don't be so naive, the insurance companies don't give a rat's about good drivers, all they want to do is increase rates across the board, so at first raise them on one group, then 6 mos later come back and get the rest, why do insurance rates increase on a ticket and no accident, what inspires law enforcement to write tickets, answer! insurance companies, they hunt any and every excuse for a rate increase even though we haven't cost them a red cent. As for Allstate, I'm sick of hearing their good driver and accident forgiveness ad's on TV, ask an agent, those discounts don't apply to NC drivers, it's all a scam.