The Connection Between Car Insurance and Traffic Violations

Ontario

Do non moving violations affect insurance Ontario?

The short answer is no, typically parking tickets do not affect your auto insurance. Moving violations, like speeding or careless driving, go on your driving record. Whereas, parking tickets do not.

The Connection Between Car Insurance and Traffic Violations

Traffic violations can have a significant effect on car insurance premiums. For drivers, this means that avoiding tickets and staying out of trouble can be a great way to keep premiums low. Understanding the connection between traffic violations and car insurance can help drivers save money and make better decisions about their driving habits.

When drivers are pulled over for infractions like speeding or running red lights, they risk not only having to pay hefty fines and losing points on their license, but they can also be faced with higher insurance premiums as a result of the ticket. For insurance companies, a ticket is a sign that the driver may be a riskier bet than someone without any violations. This means that car insurance companies will often charge higher premiums for drivers with traffic violations because they’re deemed more likely to be involved in an accident or have to file multiple claims.

The type of violation also matters when it comes to car insurance. The most dangerous violations, such as speeding more than 20 mph over the speed limit or DUI, will often result in much higher premiums. For minor violations like parking tickets, the effect can be less severe, but it still can lead to a jump in premiums. The effect on insurance can depend on the specific insurance company as well, so it’s important to shop around to find the best rates.

Insurance premiums typically stay elevated for three to five years from the date of the violation. This means that drivers are advised to be extra cautious and avoid any violations when possible in order to keep their premiums low. Insurance companies also look at a driver’s history of violations in order to determine the amount of the increase so for those with multiple violations, the increase can be even larger.

It’s important for drivers to remember that traffic violations can have serious consequences. Not only can they result in expensive fines, points on the driver’s record, and increased insurance premiums, but they can also put other drivers, pedestrians, and property at risk. By being mindful of the risk of traffic violations and practicing safe driving habits, drivers can keep their insurance premiums low and stay safe on the road.

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