How much driving experience do you have? How many driver's license points and insurance points have you incurred in the last three years?

I drive a 1994 Integra GSR with full coverage, state minimums, and $500 collision/$500 comprehensive. I just got my premium down to $190 a month from $280 a month. I have a reckless driving offense and a couple of accidents on the record still. The drop in price was due to my first speeding ticket dropping off three years ago last August.