The only likely scenario in which a dropped ticket would still affect you would be if there was an accident involved. If the ticket was dropped, but your insurance company paid out to any party for a claim, the accident would still show.
Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.
"Rate Lock" is a term defined by the specific company that is offering that type of feature — I believe it's Erie that offers this. This feature will "lock in" your rate, even if you file a claim, until changes are made to your policy (i.e.
MIP is a non-moving violation, which does not impact your insurance rates. When it comes to the cost, if you're around 18-20 you can expect your premium to be quite pricier than those paid by older folks.
Insurance rates are based on the risk of someone getting into an accident. Since your fiance is legally blind and has a speeding ticket, his rates are going to be higher because of the elevated risk that he would get into an accident.
Insurance companies will ask you approximately how many miles you drive but it is not a rating factor for premiums except in the state of California. California rates on mileage because they see it as a determining factor in how likely you are to get into an accident.
A Personal Injury Protection (PIP) claim, will impact your rates for up to three years. Unfortunately, in Florida, there have been many fraudulent PIP claims that have caused the cost of insurance to rise, especially when you do have a PIP claim.