I bought my first (and only) vehicle a year ago, and purchased insurance through State Farm. My husband has a company truck and company insurance, but since we share the same address they told me I had to put him on my insurance anyway.

Not a big deal. But about a year and a half ago (before I even bought my car/insurance) he got a ticket in another state. So in order for the ticket not to go on his record, he paid to take a safety driving course, and also paid about $200 for the ticket. Now my insurance company sends me a notice that my rates are going to be affected by this ticket that my husband got before I even purchased insurance with them.

At the time of the ticket I was still on my in-laws insurance and having to borrow their car because I was trying to pay for school. So...why are they able to "adjust" my rates after I've been with them for a year knowing full well that the ticket occurred before we purchased insurance through them???
Additional Details
I UNDERSTAND ABOUT THE TICKET...but why wait a YEAR after I got insurance with them to tell me that my rates are going to be higher than what I initially agreed to. I have already paid my insurance twelve months in advance and now they are asking me for MORE money when they should have saw the ticket BEFORE I even purchased insurance. That was my main concern, that they waited until NOW, a year later to tell me that my insurance would be higher.