When it comes to driving, specifically how and where you drive, your insurance rates can be affected by such considerations, as well as a number of other mitigating factors.
With tickets and collisions on your driving record, you should expect to pay more for your auto insurance than if you didn’t have these blemishes on your record. It’s a reality that most Ontario drivers have come to understand.
Another bit of conventional wisdom is that in more populated areas, the risks of getting into a car accident are higher than you would be living in a rural area. But a recent study concluded that may not be the case, according to a study from Insurance Hotline.
Based on the details provided by people shopping around for quotes, one has to look beyond Toronto’s borders to find cities whose drivers admit to having the most tickets, collisions, or a combination of the two, on their driving record. These are infractions and collisions that could have occurred in the driver’s hometown or anywhere their travels have taken them.
The Insurance Hotline study listed the following cities as the best and worst places for driving in Ontario.
Cities such as Orangeville, Brantford, Thunder Bay, Orillia and Barrie were listed with some of the poorest conditions for drivers. For example, in Orangeville drivers were 1.9 times as likely to have a ticket, accident, or both, on their record than the Ontario average.
By contrast, in North York a driver is 22 percent less likely to have a ticket, crash or both on their record than the average, and Toronto drivers are 21 percent less likely to have a black mark on their driving record.
There are others like where you live, your insurance history, and the type of car you drive; but your driving record and history is indicative of how you are when behind the wheel. Every at-fault (or partially at-fault) accident or traffic ticket conviction will likely increase the cost of your premiums.
If you have more questions about how where you live affects your auto insurance, please contact Pacific Insurance Brokers Inc. at 416-494-1268 to speak to one of our seasoned professional advisors.