Driving violations have a big effect on cheap auto insurance. There are many different driving violations that can occur, and each of these may affect your auto insurance rates. Speeding tickets, accidents, injuries, careless driving, and hundreds of other things can affect how much you pay for your auto insurance policy, so it is a good idea not to commit any driving violations to keep your cheap auto insurance rates. Driving violations will add points to your driving record, and this record is checked by the auto insurance provider before you are quoted a premium. Speeding tickets can add from two points up, depending on how many miles over the speed limit you are traveling. Usually ten miles or less is two points, and then the points rise incrementally according to the speed. Learn about Saving Motorist Insurance Program for New Driver in car insurance directory. Auto insurance policy Annual Auto Insurance Policy for New Driver In some cases, it is better not to dance with the auto...