No insurer shall, directly or indirectly, use traffic tickets or
convictions for traffic offenses as a basis for cancellation of
automobile insurance policies or increasing insurance premium rates
for automobile insurance policies where such ticket or conviction is
for exceeding the speed limit specified in this act, but not exceeding
the speed limit previously in force where the violation occurred; nor
shall any insurer in any way penalize or adversely affect any insured
for any such violation or conviction.