While there may be some car insurance companies that will not quote you higher rates, or raise your rates if you already have a policy in effect, for certain traffic offenses in general all auto insurance companies take into account a person's driving record as a rating factor.

The drivers' history and motor vehicle record (MVR) is used to determine what type of risk as a driver they are and thus the risk that they are putting the insurance company under to insure them and the vehicle they operate. Moving violations (tickets that a person was convicted of) on a driver's MVR shows that the person may drive recklessly or poorly.

A change in your driving record from a traffic ticket will almost always be taken into consideration by any car insurance carrier. Your driving history and amount of violations you have been convicted of will affect your rates.

A clean record will allow you normally to receive a safe driver discount and receive lower rates. Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium.

There are some insurance providers that will not raise your rates if it is your first minor ticket however your safe driver discount will likely be taken off which will cause your car insurance premiums to go up. This is mandated by law. In fact, all insurance premiums are filed and approved by a state agency. Just like drugs are screened and approved or disapproved by a government agency.

To get affordable quotes from an auto insurance specialist click here.