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Message: [QUOTE="motometal, post: 663681, member: 24727"] it has been my experience that most officers either don't know many details about how insurance works, or play really dumb about it (and for good reason).  As frustrating as it is, they can't base their decisions on how it affects your insurance.  No doubt they hear about "what this will do to my insurance" from about every other person they pull over. I suppose you could ask a few questions about how many tickets they have had in the last 3-5 years and how it affected THEIR premiums, but that probably wouldn't go over real well.  I'm not saying they can blatantly speed all they want, but no doubt the badge or police i.d. "accidently falls out of the pocket" on a regular basis when an off duty officer is pulled over.  [/QUOTE]