"Millions of Americans have likely learned the hard way that getting a speeding ticket can be a big pain. In addition to the added cost that comes with the monetary fine from the ticket itself, there's also the fact that getting a moving violation such as this can significantly increase a person's monthly auto insurance payments. As such, it might be wise for insurance agents to do a little more to educate their clients about the risks they face for accidents, and higher premiums, when they exceed the speed limit. There is a significant amount of data available to drivers that shows just how harmful getting a speeding ticket of any kind can be to not only their driving records, but also their ongoing insurance costs, according to a report from the Atlanta Journal Constitution. About 1 in 3 drivers nationwide who have gotten a ticket in the past five years are paying more for their insurance as a consequence, but not all tickets are created equal. For instance, someone that gets caught speeding will face very different rate increases from those who are arrested for driving under the influence, or reckless driving. In both those cases, it seems that rates could go up by as much as 82 percent each. However, the fact also remains that speeding tickets can have varying impacts as well, the report said. For instance, studies have shown that people who get tickets for going between one and 15 miles per hour over the speed limit will face an increase in their auto insurance rates of about 21 percent on average. But for those going 16-plus miles per hour over the limit, that rate hike rises to 30 percent. So what can drivers do? The best advice, consequently, is to be very careful when driving, the report said. While it can be easy to fall into the habit of going 10 or even 15 miles per hour over the speed limit, doing so is a calculated risk, in more ways than one. Insurance agents who work with their clients to discuss these kinds of issues and the impact they can have on auto insurance affordability could find themselves developing better relationships with those consumers, and in doing so, better positioning themselves for future business success. In general, consumers are less likely to shop around for new coverage if they're happy with their current customer service."