ce. If the insurance company decides to raise your rates by only ten dollars it can have a lasting effect. When the ticket falls off your driving the record, usually in three to five years, you have spent more than one thousand dollars more than if you had not been speeding. The insurance company raises your rates with each ticket, until they cancel the policy. This alone makes it worthwhile to obey the law. A speeding ticket is an effective form of discipline, with court, with traffic school, and with higher insurance rates. The effects for speeding are not all outwardly noticeable until you has been through the process. Once you have a speeding ticket experience, you may be more careful to obey the law....