The law enforcement officer is correct in that you normally do not need to call and report the ticket to your insurance company. Until you are actually convicted of the ticket it cannot be counted against you by the state or your insurance company.

If you are convicted of the ticket, which is usually done by paying the fine and admitting guilt, than the violation will go on your driving record. If your state has a points system than the speeding offense will also be assigned points that will also show up on your motor vehicle record (MVR).

Once a traffic ticket conviction is placed on your driving record an insurance company will see it the next time they pull your MVR.Your driving record is typically looked at by an insurer when you start up a policy and at your renewal period.When your insurer does see it on your MVR then it will be up to the rating system of your insurance provider to determine if this one ticket will affect your rates or not. If your record has been clean of any moving violations, accidents, etc than your rates may not be affected but a safe driver discount may be taken away.

To find out how this one speeding ticket for 16 mph over the speed limit will affect your rates will be up to your insurance carrier's rating system so ask your agent about how it affects your rates. You could also contact your state's insurance regulator with which your insurance company must file their rates with.

While you do not need to call and inform your current car insurance provider about this speeding ticket if you apply for insurance with a new insurance company then on the application you will be asked about tickets, accidents and other various car related incidents that would affect your rate quote. Once you are convicted of this ticket you would then need to list this traffic offense on an auto insurance application while it falls in an insurer's look back period which is usually 3, 5 or 7 years.

To get rate quotes from an auto insurance specialist following this link.