Taking a defensive driving class every year may speed up the removal of those points. Raising your deductable, or dropping comprehensive/glass coverage altogether and keeping only the essential liability insurance, will lower your rate. Of course you don't get what you don't pay for; if something happens you'll have to pay for the repair/replacement costs yourself. You *may* be able to shop around for a better insurance deal, especially if you also have house or life insurance and can use that as bait for an agent or company to cut you a deal in exchange for giving them all your business. But, again, you don't get what you don't pay for; the folks who are cheapest also tend to be the worst in customer service and the stingiest in paying out if something bad happens. Outside of that: Drive more carefully, maintain a spotless record, and wait however many years it takes for those penalty points to age out... and for your own age and years of driving experience to increase so you're considered a lower risk. There is no quick fix. You bought it; you get to pay for it.