We dont have Geico. We have AIG, way cheaper than Geico. I got a ticket a year ago, right before renewal, aka shopping for new car insurance in our house. Our insurance actually went downdidnt have AIG then another way cheaper than Geico company; we just dont have good luck with Geico. This year, our insurance jumped upwith every company. AIG remained the cheapest so we stayed. It took a year for it to affect our rates; this was my first ticket in about 14 years and there were extenuating circumstances (the railroad arms started to go down just as I started to cross, so I punched it and just hadnt finished slowing down yet).
In our state, we dont have points. But the ticket will drop off for insurance purposes in another two years. Same reason I didnt fight the ticketthat, and it is a small town that has a very unfriendly court system. I could have taken Defensive Driving to have the ticket remain off my record, but I was just too crazy busy at the time. Im considering a class to lower insurance anyhow.