Glossary term
Conviction date
Conviction date: The date you paid, pleaded or were found guilty; starts the insurance lookback.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Long a Speeding Ticket Affects Insurance
The three-year insurance lookback, how it differs from the state's record and points periods, and when a ticket stops affecting your premium.
Guide
When and How Your Insurer Finds Out About a Ticket
Insurers pull driving records at renewal and quoting, not daily. How that timing works, whether you must disclose, and what happens if a ticket is missed.
Entry
How Often Do Car Insurance Companies Check Driving Records?
Discover how and when auto insurers review your motor vehicle record, what triggers an unscheduled MVR check, and what happens after a speeding ticket.
Entry
Can Traffic School Stop an Insurance Increase After a Speeding Ticket?
Learn how completing traffic school or defensive driving can mask a speeding citation, prevent insurer surcharges, and protect your auto insurance rates.