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Speeding Ticket Insurance Rates

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Tickets issued under the Highway Traffic Act, Insurance Act or Criminal Code appears on your

driver abstract and affects your insurance rate.

Car insurance rates between auto insurance companies can vary by hundreds, even thousands of

dollars. The easiest way to find which insurance companies offer the lowest prices is to do an

online rate search. InsuranceHotline.com offers free rate searches for consumers. This article

tells you the types of tickets that affect your insurance rate.

Ticket Classifications: Tickets are divided into 3 classifications: minor, major and serious

convictions, which include criminal acts. All ticket classifications, regardless of demerit

points, affect your insurance rate.

Parking Tickets: Parking tickets do not affect your driver's license, insurance record or

appear on your driver's abstract. The only consequence of not paying a parking ticket means

that your license plate will not be renewed. In other words, you will not be able to get your

renewal "sticker" unless you pay for your parking tickets.

Minor, Major and Serious Convictions: Here's a list of the ticket classifications and the

various types of minor, major, serious, and criminal convictions that will affect your

insurance rate:

Minor Tickets

? Crowding Driver's Seat

? Defective Brakes

? Drivers License Violations

? Failing To Share The Road

? Failing To Signal

? Failure To Use Seatbelts

? Failing To Yield

? Failing To Yield To A Pedestrian

? Failure To Surrender Your License

? Failure To Produce Evidence Of Insurance

? Failure To Produce Or Carry Insurance Card

? Following Too Closely

? Headlight Offenses

? Improper Driving In A Bus Lane

? Improper Lane Change

? Improper Opening Of Door

? Improper Passing

? Improper Towing

? Improper Turn

? Improper Use Of Divided Highway

? Insecure Load

? Obstructing Traffic

? Overloading

? Use Of Radar Warning Device

? Improper Railway Crossing

? Speeding

? Stop Sign Infraction

? Traffic Light Infraction

? Trailer Passenger

? Unnecessary Noise

? Unnecessary Slow Driving

? Unsafe Move

? Unsafe Or Prohibited Turn

? Unsafe Vehicle

? View Obstructed

? Wrong Way On One Way

? Obstruction Of View

? Obstruction Of License Plate

? Driving without an up to date Inspection Sticker

Major Tickets

? Speeding 60 mph over posted speed limit (or set limit in your province or state)

? Failing To Report An Accident

? Failure To Report Damage To Highway Property

? All Insurance Offenses

? False Statement Of Insurance

? Operating Motor Vehicle With No Insurance

? Driving With No Insurance

? Produce False Evidence

? Driving In Contravention Of Restrictions

? School Zone, Improper Passing Zone

? School Bus, Improper Passing, Fail To Stop

? Speeding in a construction zone is double the fines and points

Serious & Criminal Tickets

? Driving Impaired, Blood Alcohol Over .08 (or set limit in your province or state)

? Careless Driving; Undue Care Or Attention

? Criminal Negligence

? Dangerous Driving

? Driving While Under Suspension

? Failing To Obey Police

? Failing To Remain At An Accident Scene

? Motor Manslaughter

? Racing

? Refuse Breathalyzer

? Stunting / Drag Racing

? All Serious Convictions; Can Be Unspecified

License Ramifications

Driver's Abstract, What Is It? It's a document issued by your State's Department of Motor

Vehicles that reports on the status of your license. It states the type of license you have,

and lists all the tickets you've been convicted of in the last 5 years. It lists your renewal

date, the date you were first licensed and any license suspensions, or reinstatements.

For a small fee, usually around $10, you can get your Driver's Abstract from the DMV or

corresponding office in your state.

Demerit Points: Drivers convicted of driving offenses begin with zero demerit points and

accumulate points for convictions. Demerit points stay on your record for 3 years from the

offense date. However, for more serious offences they can stay on your record 10 years. Too

many points can cause a suspension of your license. The Ministry of Transportation assigns

demerit points.

Demerit points only determine if your driver's license is going to be renewed or if the driver

needs to be re-tested. Here's how demerit points work.

Demerit Points for a Speeding Ticket:

* 01 to 10 mph over the limit = 3 points

* 11 to 20 mph over the limit = 4 Points.

* 21 to 30 mph over the limit = 6 Points.

* 31 to 40 mph over the limit = 8 Points

* More than 40 mph = 11 points (varies from state to state)

If a driver accumulates 10 points the DMV has the option to suspend their license for 30 days.

At 15 demerit points the ministry will suspend their license for 30 days.

Points have no bearing on your insurance. To your insurance company, a ticket is a ticket,

whether or not it has demerit points, it will affect your insurance rate.

A license suspension severely affects your insurance rates. If you fail to attend a hearing, or

fail to give good reasons for needing to keep your license, your license may be suspended.

Speeding Ticket Insurance Rates

One of the little white lies most parents try to feed their teen drivers as soon as they get their license is that a single speeding ticket is going to spell death to their car insurance rates. It's a good way to make sure that money conscious teens don't drive carelessly on the roads! Once they actually have that speeding ticket in hand, however, the consequences of a speeding ticket become a lot more real.

Getting a speeding tickets out on the highways is easy, especially if you live in an area with numerous speed limit changes or spend a lot of time on the interstate (where if the speed of traffic is moving below 90 you're doing good). All it takes is a second of inattention on your part and you can be holding a ticket worth hundreds of dollars in court costs.

The good news is, the court system knows how easy getting a speeding ticket can be. Especially for a teenager with a new license. That's why they came up with a few creative solutions to slapping that ticket on your record and calling it a day.

Most drivers with their first speeding ticket will be given the option to attend a driver improvement course (driving school) and may, if they're a young driver, be sentenced to community service. If they successfully complete the course and their service the speeding ticket will be dropped from their record. Why would the ordinarily more than a little money hungry justice system willingly give their drivers this kind of an "out"? Because they know it's easy for drivers to drive a little too fast and they believe the lesson learned is more important than paying the ticket.

And by the time you've done 40 hours of unpaid community service in the hospital emergency room cleaning up after the victims of car accidents like the one you could have had you'll lose the desire to find out how fast your wheels can go!

The good news is, if you successfully complete driving school and avoid a conviction your car insurance company is never going to find out about it. You see, your car insurance provider gets your personal information from the DMV. The DMV only has traffic violations on record that you've been convicted of, since you could be accused of everything and in America you get to be innocent until proven guilty beyond a shadow of a doubt by the court system.

A speeding ticket you're never convicted of is going to have no impact on your car insurance rates, so that first ticket they bring home probably isn't going to spell death to their chances of finding cheap insurance. Sorry moms and dads.

Of course, it's important to make sure that your first speeding ticket is your last. It is possible for a judge to see if you've been assigned driving school before, especially if you get pulled over in the same county, and you're probably not going to get so lucky the next time. So the next time you're out on the highway take a second to think of your car insurance rates and let up on the gas pedal.

Your checking account will thank you.

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About Author

Both Lee Romanov & Anthony Peck are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Lee Romanov has sinced written about articles on various topics from Auto Insurance, Legal Matters and Auto Insurance. Lee Romanov is the founder and president of The InsuranceHotline.com, since 1994. InsuranceHotline.com provides a rate comparison service for auto, home, life and commercial insurance via the internet, now processing over 3,000 quotes a day, international. Lee Romanov's top article generates over 74000 views. Bookmark Lee Romanov to your Favourites.

Anthony Peck has sinced written about articles on various topics from Auto Insurance, Diabetes Treatment and Homeowners Insurance. Anthony M. Peck is the Senior Developer, Software Project Manager and Director of Business Development for QuoteScout.com. For more information on speeding tickets and your. Anthony Peck's top article generates over 14800 views. Bookmark Anthony Peck to your Favourites.

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