its not bad, because it can protect people from police going on a ticket spree... also, if you get a speeding ticket, ONCE, just ONCE, this helps by not having to worry about the increased insurance premiums. think about it, how much do people 16-25 (the "high risk" group) on average pay for insurance... i think it goes for like $1,000-$1,200 every 6 months (on average) ONE ticket could bump that up a hefty sum... the ticket insurance 1) covers the increase in premiums, and 2) covers the ticket... 13 bucks is not a lot for peace of mind that you wont have to worry about ur insurance premiums skyrocketing