Few things in life ruin a day faster than a speeding ticket. Tickets cost a fortune, and dealing with the local courts to pay the fine can be a pain, too. Terrence Boyd knows how you feel, and he started his own insurance company to ease the pain stemming from just such an experience. For $15.95 per month, Boyd's company will pay up to $1,000 in moving violations and $500 in non-moving violations. The company also features two driver and family plans that cost $24.95 and $29.95, respectively. Individual tickets cannot exceed $350, and felonies, drinking and driving, and reckless driving violations are not covered.

If you think nearly $200 per year is too much to insure yourself against the possibility of a ticket, we're with you. But the business has already gained traction since it started in 2007, as Boyd has accrued 1,700 clients spanning 23 states. Seriously, if you need to insure yourself against getting tickets, you probably won't have your license for long anyway. Besides, there are plenty of radar/laser detectors out there for the price of one year's service. Or, y'know, could just drive the speed limit.

[Source: New York Times]

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