Insurance Pricing
How Insurance Companies Actually Price a Traffic Conviction
General factors that shape how an insurer reacts to a conviction, and why the same ticket can affect two drivers differently.
Read the article →Insights
Insurance & Money
A closer look at how convictions actually translate into insurance costs and other financial consequences over time.
Cost Analysis
The Real Cost of a Speeding Ticket Over Time
The fine on the ticket is usually the smallest part of the actual cost. A general look at what else factors in.
Read the article →Hidden Costs
Why a 'Minor' Ticket Can Cost More Than the Fine on the Ticket
Why tickets that feel minor, like a seatbelt or signalling offence, still register as full convictions.
Read the article →High-Risk Insurance
High-Risk Insurance in Ontario: When a Conviction Pushes You There
A general look at what 'high-risk' insurance means in Ontario, and the kinds of records that tend to lead there.
Read the article →Should You Fight
Can You Fight a Ticket Just to Protect Your Insurance Rate?
General factors drivers weigh when the real motivation for disputing a ticket is protecting their insurance rate, not the fine itself.
Read the article →Reported Figures
How Much Does Insurance Go Up After a Ticket?
Reported percentage ranges by conviction count, and why no single number applies to everyone.
Read the article →Timing
Conviction Date vs. Ticket Date: Why It Matters
Why insurers generally key off the conviction date, not when the ticket was issued.
Read the article →New Drivers
Teen Drivers and Insurance in Ontario
Why a ticket tends to carry a bigger relative impact for a new or teen driver.
Read the article →Rideshare
Rideshare Drivers and Traffic Tickets
How a ticket is handled for an Uber or Lyft driver, and why rideshare insurance layers onto a personal policy.
Read the article →Employment
Can Your Employer Find Out About a Ticket?
When a driver's abstract check can legitimately bring a ticket to an employer's attention.
Read the article →