You're going to have an insurance increase regardless of where you go, so why sell and take a loss on a perfectly good vehicle by selling it? I understand the CRX and work truck might be cheaper, so why not get seperate policies on the X, then keep the CRX and truck on your existing? Since you haven't gone to court for this yet, you can still get your policy for at least a year until your carrier renews your policy and sees that it's on your record. In that year, maybe things in general will go down, so the hit of increase would be reduced come renewal time.

Honestly, I don't know the specifics of how my insurance works, but I've got what's called a Broadform Policy. It's something my friend introduced me to after his insurance agent got him on one to help him assist his elderly parents w/ their insurance needs.

All I know it that I'm insuring 5 vehicles at under $100 per month, carrying an insurance card on each to make me compliant. Granted, these vehicles are paid off, so I'm only required to keep comprehensive. I don't have an immaculate record, but I don't even remember what could still be outstanding either. With this being your first ticket, having your premiums triple is outrageous. There has to be another way...it's not like you're some 20yr old kid. Best of luck.

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