The majority of consumers are well aware that their is a good driver discount available, but for some reason or another there are those who decide to operate an carmobile irresponsibly. Whether a person is running late to work and breaks the speed limit, runs a red light or even hops behind the wheel after having a few cocktails, this not only put lives at risk, but can drive up car insurance premiums for years to come. A motorist has control when operating a vehicle and making the right decision can make all the difference between paying high rates or making carmobile as affordable and cheap as possible.