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Contrary to what many drivers believe, getting a ticket doesn't automatically lead to hefty car insurance premium increases.

In fact only 31 percent of drivers ticketed in the past five years paid an increase, according to a survey just released by comparison-shopping site InsuranceQuotes.com.

"It's a myth that insurance companies are constantly checking your record, and that if you get ticketed you'll be noticed right away," says Laura Adams, the site's senior insurance analyst. "It might be the case if you're a younger driver. But for the majority of drivers, it's not."

If you're between the ages of 18 and 25, she says, your insurer probably is pulling up your Motor Vehicle Report (the http://insurance-brokers-calgary.ca