An analysis conducted by Insurance.com of over thirty thousand car insurance policies sold in the year 2010 indicate that auto insurance rates are drastically increased for drivers that receive one motor vehicle violation and can rise by as much as fifty percent for those that have received three or more motor vehicle violations.

An analysis conducted by Insurance.com of over thirty thousand car insurance policies sold in the year 2010 indicate that auto insurance rates are drastically increased for drivers that receive one motor vehicle violation and can rise by as much as fifty percent for those that have received three or more motor vehicle violations.

Auto insurance policy holders that had one traffic violation on their driving record with one vehicle and one driver covered on their car insurance policy paid an average of eighteen percent more for their coverage than drivers that had no traffic violation history. For policy holders that have two traffic violations on their driving record, their premiums were as much as thirty four percent higher and those with three violations ended up paying over fifty percent more than drivers that have no history of traffic violations.

Some of the most common traffic offenses that may negatively impact a person’s auto insurance rates are as follows:

- Unsafe lane change
- Traffic signal violations
- Exceeding the speed limit
- Negligent and reckless driving
- Driving under the influence of drugs or alcohol
- Fleeing and eluding police
- Seat belt violations
- Failure to obey lane direction
- Improper turns
- Violations that contribute to an accident

Auto insurance companies typically charge higher premiums to drivers that have a history of motor vehicle violations and involvement in automobile accidents. Those that repeatedly violate traffic laws and receive traffic related charges are generally considered to be a financial liability. Additionally, drivers over the age of sixty five with two or more traffic violations on their driving record can expect to pay nearly sixty percent more for their auto insurance coverage over their peers with no traffic violation history.

It is incumbent upon consumers to conduct thorough price comparison analysis when shopping for auto insurance to ensure the best rates. Below are some suggestions to help reduce the cost of auto insurance:

- Shop around among auto insurance providers to find the best rates
- Raise deductible amounts to the highest level possible
- Take a driver safety course

Drivers that have a history of motor vehicle violations may be concerned about becoming uninsurable. It should be recognized that the car insurance industry is a competitive one, and most auto insurance companies offer coverage to those drivers that have a poor driving record. In those cases, however, the policy must be prepared to pay higher premiums. Good luck on finding a more affordable rate of car insurance for your vehicle.

If you think you may be paying too much on car insurance in Ontario, you should consider going online to do a comparison of quotes from multiple insurance providers. Comparing quotes online at Kanetix Canada is free of charge to everyone and you can receive the quotes from over 40 insurance companies in just a short time.