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I have had USAA since I was a child. When I was a teenager I got a ticket, and took the course. My families rates did not go up. In fact, they may have decreased a little bit because USAA really likes seeing that course.
Years later, and no longer part of my parents policy, I have received minor speeding tickets and my rate never increased. USAA has a pretty good system and since they are not a for-profit company but a co-op they are not trying to raise rates in order to make more money, but only when you really present a greater risk. Nearly everybody gets a minor ticket every now and again, it shouldn't be a problem.
But, I am not an insurance agent.
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"Socialism is a philosophy of failure, the creed of ignorance, and the gospel of envy, its inherent virtue is the equal sharing of misery." - Winston Churchill
"All men dream: but not equally. Those who dream by night in the dusty recesses of their minds wake in the day to find that it was vanity: but the dreamers of the day are dangerous men, for they may act out their dream with open eyes, to make it possible." Seven Pillars of Wisdom, T.E. Lawrence
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