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Message: <blockquote data-quote="tarchon" data-source="post: 586753" data-attributes="member: 5990">Nope, that's just the way it is with young unmarried single guys with speeding tickets.   I'm not sure what you mean by "resolved," but it if the insurance co. knows about the tickets, you're SOL.Having several BIG losses even if they aren't your fault probably doesn't help either.  3 total losses in (I assume) 4 years or less is more than anyone would be willing to write down to coincidence.  Like I've been driving 17 years (half of that in metro Phoenix and San Jose) and it's only happened to me once.  They quite logically assume that you're accident prone even if it's not exactly "your fault."  I mean, you yourself obviously think you're high risk for it, otherwise you wouldn't worry so much about dropping the collision insurance right?  I'd say figure out what you're doing that makes your cars prone to blowing up and getting totalled, stop doing it, and drop your collision coverage for a couple years at least until your record looks better.  At any rate, it sounds like you have no choice but to self-insure with the collision.  If you lose this car, get used to long hikes and taking the bus.My general feeling about collision coverage is that, as with all insurance, the best deal is not to get it unless you really can't tolerate the loss.  Like if you can afford to replace your $2000 car in the usually unlikely event of a total loss, you shouldn't bother with collision coverage.  The insurance company knows exactly what the mean rate of loss is and then they add on their overhead and their profit.  If you self insure, you can expect to save yourself however much that is.  The only way it makes financial sense is if you have high risk factors that the insurer doesn't know about, but in this case, they obviously know.  I've never carried collision myself, since I always drive cars that are cheap enough that I can afford to replace them.When I first got my own car (a $500 disposable Chevy Citation) at 21, it took me nearly a month to find somebody even willing to insure me and after some begging and pleading (literally) with an insurance agent they finally got me for $250 for two months (no tickets, no collision coverage, rural Kentucky back in 1990 or so).   After I had those 2 months in, I got it down to less obscene levels, but it still hurt.  In an area with higher rates and your record, the rate sounds not unlikely.  Shop some more, but don't expect much.  If you find a much better deal, be suspicious.  I once got a great deal with AzStar in Arizona, about 3 months before the state shut them down.  Took me a year to recover the remainder of my premium, though unlike many people I was lucky enough to get it all back.</blockquote>

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