Keeping Insurance Rates Low
A Toronto speeding ticket can
potentially wreak havoc with your car insurance premiums. Studies have shown
that Ontario is home to the highest car insurance rates in all of Canada, and residents
of the GTA are subjected to the highest rates in Ontario.
A single speeding ticket in Toronto can effectively drive
these already-high insurance premiums even higher. It is common for a single
ticket to cause an increase of $300 to $1,000 per year for an insurance
premium. This makes it especially important for people to make every effort to
keep driving records clean and get the best rates possible. If you receive a
speeding ticket in Toronto, do not pay it. Fight your speeding ticket
and make every effort to have the ticket dismissed from your record.
Understanding Speeding Tickets
There are many different types
of speeding tickets that vary from minor tickets to major charges. Depending on
the severity of the charge, it may result in either a ticket with a fine amount
or a summons to show up in court to face the charge. In addition to the fine
that is given for a speeding ticket, demerit points are also added to the
driving record for most convictions. Accumulating demerit points can lead to
warnings or possible license suspensions.
These are the guidelines for
speeding tickets in the province of Ontario with regards to demerit points for
speeding over the posted speed limits:
1-15km/hr. – 0 demerit points
16-29km/hr. – 3 demerit points
30-49km/hr. – 4 demerit points
50km and over – 6 demerit points
and a 30-day license suspension. At the discretion of the police officer, you
can be charged with stunt driving or racing which also carries vehicle
impoundment and possible jail time.
Many people mistakenly pay lower tier tickets under the
false impression that the lack of demerit points associated with the ticket
keeps it hidden from insurance companies. This is a costly assumption.
Insurance companies look at convictions and even smaller tickets can lead to
significant increases in insurance premiums. A number of convictions
(regardless of whether they carry demerit points or not) can lead to an
inability to obtain insurance in the future.
Why You Should Always Fight Speeding Tickets
Paying a speeding ticket
automatically pleads guilty for the offense and the conviction goes on your
record for a period of three years. This can translate into thousands of
dollars in insurance increases until the conviction is gone. Never pay a
speeding ticket without first consulting with experienced professionals to
explore your options.
There are professional traffic
ticket agents servicing Toronto with over 20 years of experience helping
clients successfully challenge traffic tickets and other serious charges such
as impaired driving and driving
. This experience translates into providing sound advice
and representing clients both outside and inside of court.
Take the pain and inconvenience out of fighting your traffic tickets
and other types of charges. Keep your driving record clean and avoid insurance
hikes with professional representation for your Toronto speeding ticket today.