Traffic tickets are one of the most common reasons for increased insurance rates, and the common driving habits that result in getting one are more than just an expensive behaviour – they are also dangerous. Most of the common traffic tickets are very easy to avoid with a little extra caution and attention while behind the wheel. By dropping these bad driving habits, drivers can avoid expensive increases on insurance premiums as well as fines, and reduce the likelihood of an accident as well.
1. Speeding
This all-too-common traffic violation earns a lot of drivers a ticket each year, and is among the most common reasons for a premium increase. Speeding is a very dangerous activity, and is often a factor in crashes. It can also increase the severity of a crash.
Obeying the speed limit is the simplest way to avoid getting a speeding ticket. Make sure to be aware of changes in speed limits, especially when on a highway entering a town or when driving through a residential area. Make it a habit to stay within the speed limit at all times, and to keep an eye on the speedometer.
2. Running Red Lights or Stop Signs
Everyone is in a hurry these days, but going through a red light or stop sign is not a good way to get there faster. A ticket for running a red light or stop sign may result in a premium increase and is also a high risk for an accident – which will also increase insurance
Stop fully at stop signs, and pay attention when approaching an intersection. Slow down when a green light turns amber. Resisting the urge to speed up on an amber light is hard, but it can save lives and lower insurance rates.
3. Improper Turns
This is one of those tickets that aren’t as well known, and yet it’s very common. There are multiple ways to get this ticket, including turning from the wrong lane, and it can result in both a ticket and an insurance increase as well as a potential accident.
Always obey the lane regulations and turn safely and carefully. Use turn signals properly and allow other drivers to respond appropriately and avoid accidents.
4. Not Wearing Seatbelt
Whether or not this very common ticket will affect insurance rates depends on the company, but it will definitely result in a very big fine. Every province in Canada has made it illegal to drive without a seatbelt. And it’s not just the driver; everyone in the car must wear a seatbelt, and the driver can be held responsible for minors who are not buckled up.
Wear a seatbelt every time, and make sure everyone in the car does the same. It keeps everyone safe and avoids a ticket, too.
5. Other Common Tickets and Insurance
Most of the common tickets can be avoided, but once they are on a driver’s record insurance rates can be affected for three years from the date that you are convicted or plead guilty-not from the date that you got the ticket.Every company rates a little differently; even drivers with tickets can often find a better rate.
It’s best to work on good driving habits to keep insurance rates low, but once that ticket is earned shopping around can help to mitigate the premium costs.
**Information derived from online sources.