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Speeding ticket , make U-turns on a one way street and street racing are all well - ble , but cost the insurance company anything because they had to pay for a claim . MedlinePlus MedlinePlus Is it a success MedlinePlus / crash and roll into a school full of children losing all in a fireball , and your insurance will go up a little after leaving the hospital. MedlinePlus The speeding ticket stays on your license for a number of years . Its frequency increases because you are not a law-abiding citizen that drives responsibly , so that the insurance company is only prepared when the school incident occurs . My area of ​​the planet , the points from the speeding incident remains in my license for 5 years ( which means a higher insurance rate ) MedlinePlus MedlinePlus Life is hard .