Receiving a speeding ticket affects your insurance premiums for a period of time, which can range from one year to several years, depending on your state's laws, your insurance company's policies, and your driving record. Even if your charges are reduced, or your particular citation does not place points on your driving record, getting a ticket still makes you a greater risk as a driver, which, in turn, makes your insurance premiums more expensive. However, there are some ways that you may be able to reduce points on your driving record or even have your speeding ticket dismissed altogether, which will help you also avoid increased insurance premiums. Some states permit you to complete traffic school courses in order to reduce the number of points on your driving record, or enter into a program that will eventually clear your record if you receive no additional traffic citations for a certain period of time.