Also not wanting to be a jerk or preachy, but 3 cell tickets is beyond unlucky, it points to someone who doesn’t care about laws or safety. 1 cell ticket is normal, 3 shows a disdain or uncaring attitude; regardless if true, that’s how it appears to the insurance agent. As the above poster said, you are asking them to be in a asymmetrical contractual financial relationship with them: you face a relatively small known fixed cost and they face a potentially large and uncontrollable risk. For their risk, they expect their partners/clients to exhibit some humility, rule following, and natural level of risk mitigation behind the wheel protecting against their risk. From your premium quote, it simply appears they don’t see that in your record.
keep in mind they face risk not only in paying for the value of your car, they pay for the other car, and importantly the liability your driving could produce. If a distracted driver on a cell phone causes an accident, the fact the thrice-before-ticketed driver was driving a Lamborghini will guarantee they get sued for the maximum policy amount.
Shop around and beg for some mercy from each of them. Try USAA, American Modern, Hagerty. You probably got a “please go elsewhere” bid from them.
Finally, Bluetooth, airpods or not answering your calls while driving should be considered. Sorry, man, just saying. Good luck.
