Ever wonder what a traffic ticket or fender-bender might do to your insurance rate? Many people have visions of huge rate increases, but often this is not the case.
Auto insurance quotes from competing insurance companies, were obtained online in July, 2011 from www.kanetix.ca to illustrate how a ticket (or two), a not-at-fault accident, and an at-fault would impact an otherwise clean driving record. Using a 35-year old driver of a 2009 Toyota Corolla in Calgary, Ottawa, and Halifax, the lowest available online quote was recorded for each location.
What's interesting to note is that despite the common misconception that even a not-at-fault will cost you in increased premiums, online quotes show this to be a myth. A not-at-fault accident does not increase the quote you get.
| City |
Clean driving record |
1 minor ticket (like speeding up to 45 km/h over limit) |
2 minor tickets |
1 not-at-fault accident
* |
1 at-fault accident
** |
| Calgary |
$847 |
$847 |
$911 |
$847 |
$1175 |
| Ottawa |
$904 |
$969 |
$1079 |
$904 |
$1386 |
| Halifax |
$721 |
$839 |
$1109 |
$721 |
$1859 |
* The accident category "You were hit from behind" was used in getting the quotes.
**The accident category "You struck an object or vehicle" was used in getting the quotes.
|
What's it all mean?
Whatever your driving record, comparing quotes each year will ensure you are getting the best rates going. Each insurance company calculates their rates differently and you'll see by shopping around the significant range in auto insurance prices available.
Whether you have spotless driving record, a ticket or two, or even an accident, you shouldn't be paying unnecessarily high auto insurance premiums. Compare online auto insurance quotes from competing insurers online at www.kanetix.ca to see if you could be saving money today on your auto insurance rates.
Looking for more information about accidents, tickets and your auto insurance?
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