Traffic Violations, Auto Insurance, and Your Rates

To be honest, your insurance company is not interested in punishing you if you get a traffic ticket. They are solely out for their own interests. When they see you have been convicted for a moving violation, they view that as a peril to their operations. Traffic violations demonstrate to the insurance company that you are at more risk in being a part of a car accident or collision than someone that has a clean driving record. A car accident, in insurance terms, means there will likely be a claim that they will cost them money. The insurance company balances the risk of an auto accident claim with a raised premium or added charge.