This is the most single important factor that affects car insurance rate. Generally insurance companies prefer to insure drivers who have not been involved in car accidents or have got tickets. The more number of tickets you get or the more the number of accidents you get involved into, your car insurance will increase drastically. If you have high number of tickets or accidents you will have difficulty finding companies who will offer you coverage. Insurance Companies consider your accident\ticket frequency when it comes time to writing or renewing your auto policy.
Hence Drive Safely!!!