When it comes to your driving record, it’s simple - the fewer traffic tickets, the lower your auto insurance premium.
Traffic tickets and collisions can negatively affect the price you pay each year for auto insurance. As the severity of the infraction increases, so does the effect it has on your insurance policy.
Minor Infractions + Traffic Tickets
If you receive a ticket for a minor infraction, your premium might increase. Minor infractions are more common and include:
- Failing to stop at a stop sign
- Improper passing
- Not using a seatbelt
Major Infractions + Traffic Tickets
If you receive a ticket for a major infraction, the penalty you pay will be bigger. Not only is the fine you pay bigger, but it will have a greater affect your insurance too. Major infractions include:
- Driving without insurance
- Failing to report an accident
- Speeding in a school zone
- Giving false insurance statements
Severe Infractions + Traffic Tickets
Not only can severe convictions cause you to lose your license, and face criminal charges, but they also have a severe impact on your auto insurance premium. Severe convictions include:
- Driving while impaired
- Careless driving
What If I Receive Demerit Points?
On their own, demerit points do not affect your insurance rate. It does not matter how many demerit point come with a ticket, the ticket itself will increase your premium. In Ontario, if you accumulate 9 to 14 points your license can be suspended. A license suspension on your driving record can increase your premium significantly.
What About Parking Tickets?
A parking ticket is not a moving violation and does not affect your insurance premium. You will still need to pay them in order to renew your license plate.