Auto insurance and accident forgiveness
Just bought a new car and have narrowed my insurance to either Belaire or Scottish and York. I have some questions regarding additional benefits that they offer.
Belaire is quoting me $1686 for 1 million and 500 deductable with accident forgiveness.
Scottish and York are quoting me $1754 for the same 1 mil and 500 deductable but with both accident forgiveness and minor conviction protection.
My question is, is that minor conviction protection worth the extra premium? This is my first car so don't really know what is best in this scenario. It seems like for the extra 70 the conviction protection is worth it just in case but I've also heard your first ticket doesn't affect you anyway.
Personally, I'm 27 with no at fault accidents and two speeding tickets back when I was 20. Stupid me. Since then, I have been a "good" driver not doing stupid things.
I'd appreciate any help on the matter. Thank you!