I got my first moving violation ticket last week. Sadly it was well-deserved. Naturally my big concern was whether it would affect my car insurance rates. Happily it won't.
Massachusetts uses the Safe Driver Incentive Plan, or SDIP. Under SDIP insurance rates are affected by at-fault accidents or traffic violations. However, no points are assigned for the first minor traffic violation. Major violations include things like leaving the scene of the accident after injuring someone, and operating after your license is revoked. Minor violations include failure to stop at a signal and speeding.