DISCLAIMER: This is not going to be one of those "waaahhhh, I got a speeding ticket" threads. I got a ticket for 17 over on the freeway yesterday. My question is how it relates to insurance. I've heard that insurance companies hold tickets, crashes, etc. against you for three years. Well, I wrecked my car in february of 04, and now I got a speeding ticket in february of 07. Technically the two events were over three years apart. My question though, is do insurance companies count the date of conviction on the ticket (ie when you pay or go to court) or when it is actually issued? I'm going to have to try to delay the court date anyways (go to school out of state) so if I wait until say, late may to go and plead no contest, will it benefit my insurance more than if I just pay it?