Combatting Bad Drivers
Now, do not stop worrying just yet. While it is unquestionably unfair that good drivers have to pay for the mistakes made by people who have bad driving records and do not obey the laws, there are ways you can combat that.
For one thing, try to find an insurance company which actually rewards you for having a clean driving record. More and more, auto insurance companies are offering such rewards to those of us who practice safe driving. It is partly a way to entice everyone to drive better and partly a way to simply reward those of us who obey traffic laws and keep ourselves and others safe.
You also have to keep doing what you are doing. Do not simply assume that, just because your rates are going to go up anyway, you should stop caring about being safe. Whether it feels like it or not, you are being rewarded for being a good driver — if only by having the satisfaction of not putting any other drivers at risk.