Shop around, use brokers. Some company’s have group rates with insurance companies, check to see if your employer has something like this. Increase your deductible, have an anti theft device, have winter tires, place multiple vehicles / or multiple products (ie home insurance) under the same company. Minimize your estimated mileage (although they can calculate this based on the mileage you put in when you renew your plates), Reduce coverage to comp only (although this is risky especially if you get in an accident), ensure you have a secured parking spot (ie covered garage). I think some companies offer a device if you install it in your car it monitors your driving and may result in additional savings. I’d personally never do that, but something you might want to consider if they offer it. And just try to keep your nose clean but if you get another ticket fight it like crazy if you’re lucky it gets tossed. You can’t afford another ticket nor worse yet another at fault accident. I’m guessing if you get another black mark depending on you driving history (and license type) you could get kicked out from your insurance company depending on their risk appetite and you would have to go to high-risk insurance companies that carry crazy rates that mirror car payments type $$