No Points Traffic Tickets Blog

1. Avoid Driving Distractions

Insurance Bureau Canada completed a study that reported the following:

- Cellphone users are 4 times more likely to crash their car

- 80% of crashes & 65% of near-crashes involved some form of driver distraction within 3 seconds before the incident

-Driver Distraction was a factor in 8 out of 10 crashes reported to the police

Canadian Attitude

80% of the study’s respondents reported that Driver Distraction was a concern to them. However, only 20% were willing to stop using their cell phones while driving.

Types of Driving Distractions to Avoid

- Cell Phones
- Text Messaging
- Eating and/or Drinking
- Radio
- CD/DVD Players
- Applying Make-up
- Shaving
- Smoking
 

Benefits to Avoiding Driving Distractions

- The prevention of accidents that can lead to disability and even death
- Lower insurance rates. (see stats from the Kanetix- Canadian Insurance Marketplace in 2007)

• For more information on keeping your insurance low, contact No Points Traffic Tickets

Getting a Traffic Ticket, for the most part, is far from funny. But here are a few situations the folks at No Points Traffic Tickets thought you may enjoy!
  
  
What are the Best Excuses to Get out of a Ticket?

Here are a few more that comes to us from the FanIQ online.

1. Sorry officer, I didn’t realize my radar wasn’t plugged in.
2. Please officer, I swear to drunk I’m not god.
3. I’m sorry officer… I just got breast implants and wearing a seatbelt hurts…
4. Sorry officer, I was trying to kill a bug under my gas pedal!
5. If I was speeding, you probably were speeding to catch me, so how ‘bout we forget abut the whole thing?
6. My wife is pregnant; I’m trying to get to the hospital.

We at No Points Traffic Tickets thought it would be fun to put together some stats for you to find out how we, as Canadians, do as Drivers. The information seen here has been gathered from Canada’s Insurance Market Place and the Insurance Bureau of Canada. We hope you enjoy!

Canada’s Best Drive Crew

Nova Scotia – In 2006, only 7% of car insurance quotes given had at 1 ticket

Canada’s Worst Drive Crew

Alberta – In 2006, 17% of car insurance quotes given had at least 1 ticket. Ontario followed at 16%.

Top 10 Most Expensive Cars to Insure in Canada

1. Ford F350 Super Duty 4WD
2. Chev/GMC Silverado/Sierra 2500 4WD
3. Mitsubishi Lancer 4DR
4. Chev/GMC Silverado/Sierra 1500 4WD
5. Dodge Ram 2500 4WD
6. Nissan Murano 4DR AWD
7. Dodge Ram 3500 4WD
8. Chev/GMC Colorado/Canyon 4WD
9. Toyota Yaris 4DR Hatchback
10. Mazda Mazda6 Sport 5DR

Top 10 Most Stolen Cars in Canada (2007)

1. 1999 Honda Civic SiR 2-door
2. 2000 Honda Civic SiR 2-door
3. 2004 Subaru Impreza WRX/WRX STi 4-door AWD
4. 1999 Acura Integra 2-door
5. 1994 Dodge/Plymouth Grand Caravan/Voyager
6. 1994 Dodge/Plymouth Grand Caravan/Voyager AWD
7. 1994 Dodge/Plymouth Caravan/Voyager
8. 1998 Acura Integra 2-door
9. 2000 Audi TT Quattro 2-door Coupe
10. 1994 Dodge/Plymouth Shadow/Sundance 2-door Hatchback

Top 10 Least Stolen Cars in Canada (2007)

1. 2003 Buick Le Sabre 4-door
2. 2003 Cadillac Deville 4-door
3. 2002 Ford/Mercury Crown Victoria/Grand Marquis 4-door
4. 2000 Saturn SW1 Wagon
5. 2000 Lincoln Continental 4-door
6. 2000 Volvo S70 4-door
7. 1998 Hyundai Accent 4-door
8. 1997 Buick Regal 4-door
9. 1996 Buick Park Avenue 4-door
10. 2001 Toyota Highlander 4-door 2WD

Most Common Traffic Tickets obtained across Canada

1. Speeding of less than 45/km
2. Disobey Stop Sign
3. Seat Belt
4. Proof of Insurance (Fail to carry/Produce Proof)
5. Obeying Traffic Signals (eg. Red Light/Amber Light)
6. Validation Sticker

  
• What types of Tickets have you received? Share your experiences with our online community.
• For more information on how to fight a Traffic Ticket visit Fighting Traffic Tickets

The answer is yes, they do. Car insurance protects families against the possibility of financial devastation resulting from a driving misfortune. However, insurance premium calculations are based on the potential for risk.

Here are some statistics from the insurance market place for you to review:

Does Age and Gender Affect my Insurance Rates?

Insurance rates tend to be higher for males of a certain age. It is commonly believed that males are most likely to have involvement in a collision, speed, or commit a careless action.

Will a Minor Accident or Traffic Ticket affect my Insurance Rate substantially?

Yes, it will. Insurance rates are based on possibility of an individual filing a claim. An accident or a traffic ticket signals to your insurance carrier that you are potentially a greater risk then they may have previously believed.

A traffic ticket or accident can cause your insurance premiums to double and stay at that rate for a period of 3 years, ultimately making driving in Ontario unaffordable.

How does being classified as a High Risk Driver affect my Insurance Rate?

Being classified as a High Risk Driver can cause your insurance carrier to drop you.

In 2007, it was reported in the Canadian Insurance and Risk Magazine that over the next 2 years, insurance companies will be restructuring their insurance to target high risk drivers.

If an approval is reached, high risk drivers will be looking at insurance increases in the hundreds and in some cases thousands of dollars.

• For more information on why or how to fight a traffic ticket, visit Fighting Traffic Tickets.