Your driving record is one of the factors that insurance companies use to determine your insurance rates. A good driving record, with few or no accidents or traffic violations, can lead to lower insurance rates. On the other hand, a poor driving record with multiple accidents or violations can result in higher insurance rates.
Insurance companies use your driving record as an indicator of how likely you are to get into an accident in the future, and they adjust your rates accordingly. Insurance companies also have different criteria on what they consider a violation and how long it will affect your premium. It’s worth checking with your insurance company on how they consider your record.