When filling out an application for insurance or shopping for insurance you should always give the most accurate and complete information possible. If the insurance company asks about your moving violations that occurred within a certain time period you will need to mention the tickets that you received within that time frame.

If you give do not declare your traffic tickets and thus give inaccurate information about your driving record then when the insurance company runs your driving history, the quote you were given originally will have to be modified so that you can be rated appropriately using the information the insurer finds out from your motor vehicle record (MVR).

For instance if you "forget" to inform an insurance carrier of a speeding ticket you received 2 years ago then the amount for your insurance premiums quoted to you could change once they find out about this ticket and thus to keep your policy in effect you would need to pay an additional amount to the insurance provider. If you fail to inform an insurance company about a major infraction, such as a DUI, then your policy may be canceled.

In most states, if you intentionally leave off information or mislead the insurance company in order to obtain a lower premium rate it can be construed as misrepresentation in most states, a form of insurance fraud.