How Will Minor and Major Traffic Ticket Convictions Affect My Car Insurance?

high-risk-auto-insurance-canadaEvery traffic ticket conviction you receive counts in the calculation of your car insurance rates. For example, 7 minor traffic ticket convictions can cause a 70% surcharge in your car insurance premiums. So, what constitutes minor traffic ticket convictions?

*Minor Traffic Ticket Convictions –  These traffic violations include:

* Fail or refuse to surrender licence,  * Fail to carry evidence of insurance, *Crowding  the driver’s seat, *Following too closely, * Speeding under 49 km per hour, * Seat belt offence – not wearing your seat belt or having it improperly secured;  * Cell phone – prohibited use of hand held device; * Unsafe move, * Traffic sign violation, * Illegal/Improper turn, *Improper class of licence, * Fail or refuse to surrender licence.

*Major Traffic Ticket Convictions: 

Some of the Major/Criminal  traffic ticket convictions that can cause a larger surcharge are  *Failing to report an Accident, * Impaired Driving, * Driving while under suspension, * Careless Driving, * Racing or Stunt Driving (more than 50 km per hour of the legal speed limit), * Producing false insurance, * Operating a vehicle with no insurance, * Failure or refusal to submit to a breath or blood test, * Failure to stop/remain at the scene of an accident.

These convictions can range anywhere between 15-100% surcharges for any one conviction, depending on the insurance company. 

Contact Sweet Lemons and Get Your Low Insurance Rates Back FASTER!

At Sweet Lemons Insurance Programs, our team will professionally analyze your driving record and place you with a company that will offer the lowest surcharges for the tickets on your record. Contact us today to get your free auto insurance quote.