I just received my insurance renewal papers, the premium went up by 35%, due to three minor convictions.
I have one speeding, illegal left turn and get this failed to surrender an insurance card.
My insurance is counting the non-driving violation as part of the equation. WTF does that have to do with driving, or how does that make me a higher risk driver. The raise would have been 5% instead of 35%!

Do all insurance companies take this into account? Should I bother getting quotes from other companies?
I an fvcking pissed, from $324/month to $457/month.

The insurance card thing happened to me a long time ago and had the same effect.

that's bogus! what a scam!

I thought you have 24 hours to present your insurance or license when you don't have it on you.

They just label you as irresponsible, which means you're more of a risk on the road.

3 convictions put you in the "high risk driver" category. Happened to me when I had 3 minor speeding tickets (all 10-12 over, which was stupid)

Shop around for quotes as it couldn't hurt you at this point. I found that TD gave me the best rates in that one scenario.

So I'm not alone.

5over, 15over, 5over, within 3 years and bam I got hit.

Final one coming off this summer.

I've asked my friend to get me a quote, but I think all insurance companies will treat these the same way. All three convictions will be off my record in 2014, one before the renewal and the others afterwards.
I can't imagine that if you forget your insurance paper three times in less than three years, you'll be paying as much as someone that got caught speeding, ran red lights...etc.

On the day I got the ticket, I got called from my daughter's school, she had a freakout. I jumped in my wife's car and drove to school. I thought forgot my wallet all together when the cop pulled me over. After he gave me the tickets and drove away, I realized i had it on me....grrrrr

Yeah, cops can be real dicks sometimes (sorry Eric)

My 2nd one was a 6 over. The cop asked me "sir, do you know what the speed limit is on this street?" I said "50". He asked me "and do you know how fast you were going?" I said "couldn't have been more than 60" and he said "correct, 56". So I said ".... and you pulled me over for that?" and he brought me back a ticket.

Mike, lesson is don't be a smart ass, BUT, I never EVER am, but still got hit with these types of tickets.

I even get a, "Thank you for cooperating."

Worst one was a headlight being out, which I had to take a day off work, and it was thrown out immediately when I went to fight the ticket.

No warning, officer just said well how am I supposed to know if you're going to get it fixed?

I was on the way to buy the bulb. He was a straight jackass, I wanted to break his nose. This was Etobicoke, right at Bloor/Islington.

Wow, what are you driving or how old are you!? $324 dollars per month!? I have three tickets and an accident and I top out at $102/month for full coverage on an '07 turbo.

^^

You also live in Peterborough... location is another factor you forgot to include.

Yeah agreed, the sister is in caledon where I pay 110/month and she pays 324 as a high risk driver.

Does location really make that much of a difference? I've heard that some area's are higher to insure than others... but I always figured the difference was fairly negligible.

When I moved from Mississauga to Guelph, my insurance dropped 40%.

You guys are nuts paying that. I used to until I spoke with Grant. I now have 2 cars for under $200/m. 2 tickets on record at the moment.

Unfortunately that's how it is Mike.

I was paying $250 with Belair Direct in the M2N area code for 1-way liabilities only bare minimum, then switched to go with Grant and now pay $234 for full coverage and rental insurance combined in the same area.

Liabilities only was only like 10 dollar savings a month so I said screw it and went full.

I bet if I moved to Milton my rates would drop a lot.

Wow, I feel for you Ontarians, I've always heard the rates were high over there but more so than I thought, I pay $65/month for 3 vehicles.

Huge difference. My wife moved from Brampton to Trenton, no other changes, went from $256/month to $98/month. Full coverage on a 2010 Impreza.

Funny part is that's cheap for brampton

Brampton's the worst though...in CANADA! anywhere you move to is better.

True, there is not one yearly recurring cost that I can think of that is cheaper in brampton. Car Insurance, House Insurance, Taxes.... the list goes on!

Thieves I tell ya!!!

HOLY COW, time to MOVE. I wonder what the difference would be between saving money on insurance and increased gas consumption.

You could always take the route that I took.
Find a place that's walking distance from a station.

Disagree with house and insurance and taxes. Both based on property value which is lower that surrounding areas in GTA

Alex, tax is a percentage of the property value, that percentage is based on the area you are in.

Choose any area that borders Brampton and I guarantee you that you pay more tax than someone with a home of similar value.

I don't have exact numbers to prove but:
my house insurance in Brampton is cheap, property taxes about same if not less compare to George Town. Car insurance on the other hand is crazy high.

For a $300,000 house you will pay $3606.80 in taxes a year, for the same house in Halton Hills (aka Georgetown) you will pay $2983.98.
Those calculations are based on the 2012 rates.

The house insurance was just a guess, I honestly have no idea what other pay, plus I think this is the one thing that doesn't actually get affected by the area.
House insurance is based on what it would cost to rebuild your house to what it is if it was reduced to rubble.

I guess property tax is not as bad as car insurance.

This is two drivers, myself and my wife (never had a ticket), two cars, 2010 civic exl and 2008 saab turbo x, both full coverage.

Checked mine, for property value that is above 400.000 I pay just under 4000

In that case, that's pretty damn good if you ask me, in Toronto.

It's extremely odd to have that count as an offence. All 3 companies I've worked for would not count it and if I were to quote you, it would be based on 2 tickets.

There you go....Grant comes through again

I like your website Grant.

http://www.text4quote.ca

Although, I'm not from Peterborough HAHAAHA

Grant, check your PM

All PMs replied to!

Quickest way to get ahold of me is email at gredfern@allstate.ca or cell phone, 647-297-0690.

Thanks,

Grant

Check your email, Jakub.

I just got remote access to work so I thought I'd try it out and give you a full quote from home.

Cheers,

Grant

I was trying to keep the identity of my clients secret.