A single ticket or violation can affect your insurance rates. While some companies have accident forgiveness I haven't yet heard of any companies with violation forgiveness. Some companies will increase your rate too much after a ticket which may put you in a position where you may want to switch. This happened to me a few years ago. I used the low-insurance.org site and found a company offering lower rates with my violation on record than what I was paying for insurance before my ticket.
Depends on your state, you can look at the papers you got when you bought your insurance policy
3 points for both
A penalty is worth 2 in league and 3 in union.
One point.
you get fined and lose license
The points that a person acquires from a ticket will vary in each state. You can find out how many points you ticket was from your insurance agency. The insurance agency has access to this information.
6 points within the first 2 years of driving or 12 after that
If you don't have insurance how will it go against your insurance?
6 points
In union a drop gaol is 3 points, a penalty goal is 3 points, a converted try is 2 points and a try is 5 points. In league a try is 4 points, a goal kick is 2 points, a penalty is 2 points and a drop goal is one point
In the state of Pennsylvania, no points are given for a red light violation. § 3116. Automated red light enforcement systems in first class cities. (d) Penalty.-- (4) A penalty imposed under this section shall not be deemed a criminal conviction and shall not be made part of the operating record under section 1535 (relating to schedule of convictions and points) of the individual upon whom the penalty is imposed, nor may the imposition of the penalty be subject to merit rating for insurance purposes. (5) No surcharge points may be imposed in the provision of motor vehicle insurance coverage. Fines collected under this section shall not be subject to 42 Pa.C.S. § 3571 (relating to Commonwealth portion of fines, etc.) or 3573 (relating to municipal corporation portion of fines, etc.).
Most insurance companies don't ask you how many points you have on your licence. I'm not sure if they check this kind of thing, but if they do then it will be taken into account.