You get a speeding ticket but don't tell your insurance company about it and your auto policy renewal shows a $75 increase even though you have not made any changes to your policy.
You call them up and ask them, "what's going on?"
The rep tells you they pulled your motor vehicle record and it showed a speeding ticket you got 4 months ago that you didn't tell them about.
You're left wondering why your rates went up due to a ticket.
You didn't hit or harm anyone, it was just you coming home from a long business trip.
The cop was being a jerk and didn't let you off.
Your insurance premium is based on the risk you pose them.
Part of your risk is your driving record.
Even though you did not hit anyone you are still an increased risk in the insurance company's eyes.
You got a ticket and now you have a greater chance of getting into a accident based on insurance data.
And because of this, your rates will go up if you get a ticket.
You are a higher risk and you will pay more than someone who has no tickets.
Most states allow insurance companies to increase your rates for up to 3 years from the date your were found guilty or paid the fine or went to defensive driving.