Continuous coverage with no further lapse, accurate mileage and garaging, time passing on the violation, and comparing several nonstandard carriers rather than one. Household structure changes also matter more than most drivers expect.
More detail
Start with the free corrections. Mileage and garaging address are rated directly and are commonly overstated at application by drivers who guess. If you genuinely drive 6,000 miles a year, being rated as though you drive 18,000 is money given away. Next, continuity: carriers rate prior continuous coverage separately from violations, so every unbroken month from here improves the position and every lapse sets it back. Next, time: surcharges decay as violations age, so the policy that is painful today should be re-shopped annually rather than renewed on autopilot. Finally, structure: multiple drivers and vehicles on one policy mean one record taxes everything on it, and separating policies or using a driver exclusion sometimes changes the arithmetic materially. Those last are underwriting decisions with real consequences, so raise them with a producer rather than guessing.