In this recession, cutting costs and saving money has become more important than ever, especially when car insurance quotes continue to rise. But many motorists do not seem to realize that their traffic violations also contribute to high premiums. While it is a legal requirement for all drivers to carry auto insurance, rising auto rates make it increasingly hard for drivers to afford a necessity to drive. The best thing for motorists to do in this situation is to formulate a budget and start saving money on auto insurance. However, that’s easier said than done. In the United States, there are millions of motorists on the road that have a poor driving record. These drivers continue to rack up on tickets for going through red lights and stop signs, speeding, making illegal turns, and other driving violations. The more traffic violations that they receive, the more auto insurance companies increase their premiums. But the unsettling part is that auto insurance companies also raise the rates on good drivers as well; the more reports and claims about reckless driving, accidents and even uninsured drivers, the more everyone’s auto insurance premiums will increase, regardless of who is a good driver or a bad one. Therefore, to get the best affordable coverage, InsuranceAgents.com recommends for all drivers to drive safely and obey the rules of the road. Not only would it keep premiums down in the midst of the recession, but motorists with bad driving records can lower their premiums substantially. For anyone that has a clean driving record with minimum traffic violations, they are encouraged to ask their auto insurance agent for discounts. Most importantly, there are many drivers in the nation that have a good driving record but are paying an expensive auto insurance rate. These people are highly encouraged to compare insurance quotes from other auto insurers to get a lower rate with quality coverage.