this might work.
I realize you live in the US and im in canada but i have heard this works.
Here if you get X many of "points" on your licence, you lose it. and apparantly points only go on if the ticket transaction is complete
COMPLETE urban legend, but apparantly if your ticket is say $150, you mail them a cheque for your ticket with the amount of $153 on it. 3 bucks over, and apparantly they have to send you a cheque back for the difference, dont cash that cheque because then the transaction will never complete, points wont go on your licence, and insurance in theory wont go up.
Dont know if it works or if it will work for you but it might be worth a try