Costly command: 'License and registration'

 Those whirling blue lights in the rearview mirror usually mean just one thing: It's traffic ticket time. The worse the violation, the more your car insurance costs may rise because it's more likely you'll be considered a bigger risk to the insurer.

Rack up a combination of the nastiest violations plus a few accidents, and insurers may even refuse to cover you, says Loretta Worters, spokeswoman for the Insurance Information Institute, a trade group.

It boils down to matching the premium you pay to your risk as a customer, says State Farm spokesman Dick Luedke.

ARTICLE WRITTEN BY: Jessice Meszaros, Source:

 CORAL SPRINGS — The student driver clicked on his seat belt, checked his mirrors and rolled down his windows so he could hear the instructor’s words from outside.

What he couldn’t do was step on the gas. Tyrone Johnson, 17, had to maneuver his car around orange cones, practice angled parking and two-point turns — while only operating the brake.