I am an insurance agent and I would love to know how your insurance company found out about the ticket. Most companies will not pull records every renewal just paying the fees they would go broke pulling mvrs on all of their insureds. Unless there is an accident or a reason to pull a record most just don't. I have around 14 companies that I represent and only one pulls records at each renewal. Unless the agent put the ticket on your renewal I seriously doubt your company would even know. If he did I would drop him. Also until the you have been found guilty in court the ticket can not even show on your record. I have people that have had insurance with our agency since 1985 the last time their record was pulled was in 1985. Something is not adding up...the ticket would absolutely cause your insurance to be higher if they know about it.