I don't know what insurance company told you that, but they were probably lying to you. Insurance is solely based on experience on the road, and that includes accidents, time spent on road that you had a license and how many accidents were your fault. I pay about 130 a month for a motorcycle, and that's a lot because motorcycles usually don't cause much damage to the other vehicle.
I've had too many accidents that I'd like to talk about. I'm a much safer driver now, but if I don't pay off all my tickets, my license is gonna get suspended.
