One of the ways to remain innocent until proven guilty is not to say anything more than is needed when you are pulled over. Do not answer any questions such as “Do you know why I pulled you over?” or “Do you know how fast you were driving?” Answer these questions with an “I don’t know, officer” and be nice about it. Cops hate smart people. They love respect.
Not all tickets are created equal. Insurers are generally concerned about the severity of your violation. Tickets are broadly categorized into three types: minor, major, and serious. Check out this article to see how different types of tickets will have different levels of impact on your insurance rate.
If you get a moving violation in a province not your own, do you have to pay? How about if you’re in Texas or New Hampshire? If a car breaks the speed limit in another jurisdiction, can an insurance company hear it?