Nearest broker: Searching for a broker nearby…
Nearest broker: Tweed Phone: (613) 478-2532 Sunderland Phone: (705) 357-3916 Sudbury Phone: (705) 523-2030 Penetanguishene Phone: (705) 549-7437 Ottawa Phone: (613) 733-3312 Parry Sound Phone: (705) 746-2441 Orillia Phone: (705) 325-4234 Kemptville Phone: (613) 258-5991 Eganville Phone: (800) 884-1045 Petawawa Phone: (613) 687-4805 Belleville Phone: (800) 361-0941 Winchester Phone: (800) 487-3706 Wellington Phone: (613) 399-3620 Trenton Phone: (877) 455-0299 Prescott Phone: (877) 504-3569 Picton Phone: (888) 475-2776 Peterborough Phone: (800) 958 2270 Perth Phone: (877) 248-1222 Pembroke Phone: (877) 399-3299 Oshawa Phone: (800) 887-7309 North Bay Phone: (705) 475-0001 Napanee Phone: (613) 354-2152 Morrisburg Phone: (800) 806-0746 Midland Phone: (888) 737-6465 Madoc Phone: (613) 473-5266 Kingston Phone: (800) 590-5422 Gananoque Phone: (800) 932-2131 Embrun Phone: (866) 853-4740 Cornwall Phone: (844) 463-3616 Cobourg Phone: (800) 895-5902 Carleton Place Phone: (888) 237-9517 Brockville Phone: (888) 345-8663 Brighton Phone: (613) 475-1430 Barry’s Bay Phone: (866) 845-2123 Barrie Phone: (705) 726-3350 Bancroft Phone: (800) 994-0036 Arnprior Phone: (800) 668-7337
Get a Quote
Open Menu
Person drinking coffee and looking at phone while driving

How Distracted Driving Tickets Increase Your Car Insurance

Distracted driving campaigns are popping up all across the country with more frequency than ever before! The goal is to drive home the message that distracted driving is dangerous. The fines keep going up, there are now demerit points at stake, and there are auto insurance implications to consider as well.

According to the Canadian Automobile Association (CAA), driver distraction is an increasing problem. CAA reports it is a factor in more than four million crashes each year in North America. One third of us still admit to texting and driving, and the average driver checks that cell phone once every six minutes!

Safety is certainly the most important factor to consider here.

Studies show that the driver is 23 times more likely to get into an accident when they are using their phone. Distracted driving is arguably as dangerous as getting behind the wheel while under the influence of drugs or alcohol. It is reported by CAA that it has become the number one cause of fatal crashes. This is serious. Unfortunately, not everyone is getting the message and law enforcement has had enough. Is it really worth sending that text or taking that call?

Increased rates and loss of discount -that’s a double whammy.

Let’s also consider the bottom line; just how does a ticket like this affect your insurance rates in the long run?

Most drivers with a clean driving record receive up to a 15% discount on their annual policy premiums. One ticket and you lose that.

A fine for distracted driving could cause an increase in your auto insurance premiums and stays on your record for three years. The first offence may see an increase of approximately 5%. A second offence could land you an annual increase of 10% and a third could very well mean the cancellation of your policy altogether.

Further, an at-fault collision can affect your auto insurance rates for six or more years, not to mention the emotional and physical repercussions that will stay with you much longer.

Prevent Distracted Driving

It’s simple. Put the phone away. Do not answer that call or text while driving. It is far too dangerous, risky and costly. You can also equip yourself with hands free or use the vehicle Bluetooth if you have it. Technology is catching up to the times, but it never replaces common sense safety. If you really must use the phone, safely pull over.

CAA lists these tips for your safety!

  • Allow phone calls to go to voicemail
  • Do not text, surf the web or read emails
  • Do not eat, drink or groom
  • Do not smoke
  • Stop at safe locations (rest stops or commuter lots) to make and receive calls
  • Keep two hands on the wheel for better control and less fatigue
  • Keep your eyes and mind on the road



No comments found.
Anonymous User

Leave a Reply

Your email address will not be published. Required fields are marked *


You Might Want to Read

Welcome All Time Insurance Brokers to the McDougall Insurance Team!
We are happy to announce the we have merged with All Time Insurance Brokers Inc. in Ajax Ontario! All Time is a small 2 person...
Welcome M.B. Kouri Insurance Brokers to the McDougall Insurance Team!
We are thrilled to announce that we have merged with M.B. Kouri Insurance Brokers Ltd. in Tamworth, Ontario! As of November 1st, 2023 we have...
Why You Should Get Homeowners Builders Risk Insurance
Owning a home is a huge responsibility and investment, that’s why you have to be responsible when it comes to protecting it. And if you’re...
Request a Free Quote

It’s simple and won’t take long.

Get a Quote800-361-0941

Person standing, looking down at laptop