A Swedish company offers insurance against both, claiming to be the first in the field. Swedish drivers who register with the Bisso company at their website and pay an annual fee of 850 crowns (62.76 pounds) are covered against three speeding tickets a year, as long as they are not more than 30 km an hour (19 miles an hour) above the limit. Sorry Anthony this probably won't work for you and your 38mph over the limit on the Dulles Toll Road.
For an extra fee, drivers can buy cover against parking fines. Fines in Sweden, which has one of the best road safety records in the world, range from 800 to 2000 crowns for speeding and 425 to 700 crowns for parking offences.
I am not sure how successful these guys are going to be, but it will be interesting to see what their play is in the US. They claim to be entering the US in 2008.