Miley Cyrus in Moving Violation

Finally the tabloids have some dirt on squeaky clean teen sensation Miley Cyrus. Sometimes she does not wear a seat belt!

The 15-year-old Hannah Montana actress and pop star can be seen riding unbelted with her father Billy Ray Cyrus in the back seat of a Range Rover (F) during her new 3-D Disney (DIS) film: “Hannah Montana & Miley Cyrus: Best of Both Worlds Concert.”

Bad move, says Consumer Reports, who reported Cyrus’ reckless riding on their website, especially since 65% of 13-15 year olds in fatal car accidents in 2006 reportedly failed to buckle up. Seat belt avoiders are somewhat bad company, too. The last famous seat belt-free starlet was Britney Spears, whom paparazzi photographed in February 2006 driving with her safety strap off and her son Sean Preston, now 2-years-old, also unbuckled and seated on her lap.

Cyrus, who is just months away from qualifying for her driver’s license, should be more careful, says Michael Barry of the Insurance Information Institute, especially if she wants to keep her car insurance premium low. “Obviously you want to have a clean driving record,” says Barry. “You don’t want too many points or moving violations or you are going to pay a higher rate. The 16-25 age range is the prime time for accidents. The rate is already higher for them.”

If you are looking for car insurance, good credit is as important as a good driving record. “They look at whether you pay your bills on time and if you are using credit wisely,” says Barry about the publicly available credit reports that insurance companies review. “Auto insurers found that people who manager their finances well file fewer and less expensive claims.”