Massachusetts is not part of the Drivers License Compact (DLC) which requires member states to share information about their drivers who are convicted of moving violations out of state; however MA does have agreements with most other states to exchange information regarding tickets that licensed drivers receive out of state.

According to the Massachusetts driver's manual, located at the MA Registry of Motor Vehicles (RMV), MA has arranged to share driving record and criminal violation information with other states. The MA RMV does not list which states they hold agreements with so you may want to contact them direct to see if a representative can tell you for certain if New Hampshire and Massachusetts exchange information regarding moving violation convictions, likely they do.

The RMV driver's manual goes on to say that certain traffic offenses committed by a MA licensed driver in other states will be placed on their MA driving record and treated by the RMV as if the offense had occurred in Massachusetts.

Since the RMV treats most out of state violations as if they occurred in state, then a NH speeding ticket for 15 mph over the limit will likely be treated as if it happened in MA. If this is done, according to the Safe Driver Insurance Plan (SDIP) a minor traffic violation (like speeding) is assessed a 2 point insurance surcharge.

If it is your first minor traffic offense, than it may not since the MA Division of Insurance SDIP information states that there is not an insurance surcharge for a driver's 1st traffic violation. Now this is if your insurance company is still following this method of surcharges.

In early 2008 MA laws changed so that auto insurance companies are no longer required to use the SDIP to determine surcharges for at-fault accidents and traffic violations and/or apply credits for incident-free years. Instead, insurers may choose to develop their own merit rating plans or to continue using the SDIP.

If your insurer uses the SDIP, there are incentives are given to ensure that drivers with clean driving records pay less for their auto insurance. You can read about the SDIP on the MA Insurance regulator's site. Your would need to ask your insurance agent, or the MA DOI with whom they must file their rates with now, about your provider's rating system and how this out of state ticket may affect your car insurance premiums.

As for the idea of overpaying the ticket, this is an urban myth that has circulated around the Internet in email, in forums, and in many other places. The truth is that overpaying a ticket to keep it off of your record will not work. Once either a judge pronounces you guilty or you admit guilt by agreeing to pay the ticket (usually shown by checking a box on a ticket and sending in the fine payment) than you are convicted of the offense. The courts will then inform the licensing agency of your state (the MA RMV in your case) of the moving violation conviction.

If you overpay the court may not accept your payment, meaning that they return your check and you will need to pay the right amount or be penalized for failing to pay for your citation, or they may send you a refund check. Some of the emails about overpaying a traffic ticket suggest that not cashing the refund would keep your ticket in a state of limbo, this is also not so. It might upset the country's bookkeepers that some people fail to cash refund checks but it would not keep your ticket from being reported to the DMV and being placed on your driving record.

If this New Hampshire speeding ticket does affect your MA auto insurance rates or you are just ready to shop around for the lowest car insurance rates possible, click here for instant car insurance quotes.