No, but if it were, would you be more likely to break the law? My point was about the total cost of the crime. e.g. if speeding tickets had no impact on insura

No, but if it were, would you be more likely to break the law? My point was about the total cost of the crime. e.g. if speeding tickets had no impact on insurance rates, don't you think fewer people would care about a $200 fine?