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The 10 Tickets Worst Tickets in Terms of Your Insurance

Obviously, no traffic ticket is a good ticket; there’s the initial fine and quite often, implications when it comes time to renew your insurance. But not all tickets are created equal. This is a list of the 10 worst tickets to get when it comes to guaranteed rate increases at renewal time.

Speeding in a school zone.

We all get in a rush from time to time, but making up for lost time behind the wheel can cost you in more ways than one. But going over the speed limit in a school zone endangers the lives of students and that reality comes not only with increased fines, but quite possibly a greater rate increase than a speeding ticket on the open highway.

Impaired Driving

Driving while impaired by alcohol or drugs is viewed by everyone as one of the most abhorrent driving offences. Not only can this result in a criminal record, it is going to significantly increase your insurance rates every time. Fortunately, this is one of the easiest tickets to avoid because all it requires is for you to stay out from behind the wheel if you have been drinking or using drugs.

Passing a school bus with red lights flashing

This is another indefensible driving behaviour, and one that’s still far too common. Drivers must stop when a school bus activates it’s flashing lights and extends is stop sign located on the driver’s side of the bus. Passing a school bus improperly is a major offence and will result in a big increase in your insurance rates.

Driving more than 50 km/h over the limit (Stunt Driving)

While there are several factors which the courts will use to determine your penalty if convicted of speeding 50 km/h or more above the posted limit, you’re almost guaranteed to be facing insurance cancellation, a 2-year driving suspension, huge fines, and up to 6-months in jail.

Careless driving

While many lawyers will tell you that a Careless Driving charge might be the easiest to fight in court, that doesn’t mean you should disregard the potential fallout. If your day in court doesn’t end with an acquittal, you’re going to see a hefty premium increase come renewal time. Driving carefully at all times is the best way to avoid a careless driving ticket.

Driving without insurance

In life there are dating red flags, and insurance red flags. This is one of them. Not only is this an expensive ticket, it’s sends the message to insurance companies that you don’t take your responsibilities seriously. It’s quite likely you’ll be quoted higher rates when you are shopping around for coverage after you’ve gotten a ticket for driving without it.

Distracted Driving

This is one of the rules of the road most easily and often disregarded by drivers. But put that phone down; it’s a big fine to get caught talking or texting without a hands-free device, and it will impact your insurance rates too.

Graduated license restrictions violations

When you are in the graduated license stage of driving, you might not be paying for your own insurance yet, but that doesn’t mean offences aren’t going to impact your insurance rates. You won’t just face the ticket and the resulting actions in terms of your license, including possible suspension, but you will end up paying higher insurance rates when you do get your own name on a policy.

Speeding in a construction zone

Much like speeding in a school zone, speeding in a construction zone is views more seriously because you’re putting pedestrians at risk. The big fine you’ll receive on conviction will be followed with a hefty rate increase.

Refusing to take a breathalyzer

Refusing a breathalyzer is almost as serious as getting a DUI ticket, and it will seriously hurt your wallet as well as leading to potential criminal charges. Always cooperate with the police when you are pulled over – and drive sober so you have no reason to fear the breathalyzer.

Keep in mind that any tickets your receive stay on your driving record for three from the date of conviction, so the financial implications last far longer, and can cut far deeper, than paying the initial fine.


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