Your driving record is a rating factor whether you are buying a new car or renewing a policy on a car you already own so if there are convictions for moving violations they are going to affect your car insurance premium by making the amount rise.

Tickets in themselves do not make your insurance go up, but being convicted of the violation that the ticket is for, such as speeding, will make your rates rise. A poor motor vehicle record (MVR) makes you more of a risk to an insurance company since it shows to them you violating the laws of the road and thus are statistically more likely to be in an accident. And if you are a speeder and in an accident than it is more likely it will cause more serious damage and/or injuries so your risk as a driver goes up with the insurance company and thus your rates do as well.

Warrants typically do not cause your car insurance rates to rise. If the warrants are linked to say a suspension of your license than they may affect your auto insurance rates though. If the warrant is for failure to pay or failure to comply with a ticket than in some states you would be found guilty by the court for the offense. If that is the case than the violation would be on your MVR and thus be seen by your insurance provider, causing your car insurance rates to go up. And if there is a warrant there may also be a suspension of your driver's license, which would also be on your MVR, and again could cause your rates to rise.

Having a clean driving record without violations, suspensions, etc will keep your auto insurance rates lower. A good driver discount is typically given for a clean record and can be taken away if you receive a ticket and are convicted of that moving violation.

When buying a new car it is wise to shop around for auto insurance before purchasing the vehicle since you need to have the vehicle insured before driving on the roadway. Especially if your driving record is poor, and thus your insurance rates will be higher, you should find out the cost of car insurance for the vehicle you want to buy to make sure you can afford your car payment and insurance payment each month.

If you finance a new car than the lien holder will require you to have not only your state's minimum coverages but physical damages of Collision and Comprehensive so when obtaining car insurance quotes before the purchase make sure they including in the premium all the coverages you will need. You can start car insurance comparison shopping here with us.