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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.
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