Are you quoting out standard 500/500 policies? I would quote deductible for collision at 1K and really makes sure the policy fits your needs. You probably can get it down 20-25% but as mentioned, its regional and you have a few strikes on you which the cretins will take advantage of (our car insurance industry needs regulation but that won't happen...politicians are too busy convincing people of change).
Marriage, house (bundled policies) will help. Also if you have the means, can you get a beater and insure the Z as a secondary vehicle? The beater you use for commuting and other needs (just keep comp on it).
Just some things to play around with.
As for violations it depends on companies. Some are much better then others. Geico is not a good company once you have any incidents. Progressive can have low rates but crappy service.
State Farm, Liberty and some of the mid tier vendors are who I prefer to deal with. Once with them, they often have accident forgiveness (1 per 3-5 years) and other things. All state is expensive but good service.
Some companies have deals that give you 5-10% discounts. Mountain biker? Join IMBA and you can get the IMBA rate with Liberty. That is just one example, there are dozens out there if you do the research.
Good luck,
- b
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