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Concerned about the impact of a speeding ticket in Alberta on your insurance? You should be. Most drivers are guilty of speeding from time to time. Maybe you’re in a hurry or late for work.
But is saving a couple of minutes on your drive worth getting a speeding ticket?
While some may think a speeding ticket is no big deal, it could result in hefty fines, demerit points, and even an increase in your Alberta car insurance.
Did you know that you could get a speeding ticket even if you are only going one km/hr over the posted speed limit?
Alberta is one of a handful of provinces in Canada that increases speeding fines for each km/hr that you are over the speed limit. Many people assume that speeding tickets are rarely given out unless you are going at least 10 or more km/hr over the limit on city streets, and 20 km/hr over on the highway.
This isn’t the case. According to the Globe and Mail,
“Between April 2016, and March 2017, there were 106,088 convictions in Alberta for going 1-15 km/h over the speed limit, the province said. That’s out of a total of 296,640 convictions.” Fines double if you are caught speeding in school zones and construction zones.
Yes, speeding tickets in Alberta can impact your insurance. If and how much your fees will increase depends on the many factors :
Getting a number of minor speeding tickets within three years could significantly increase your premiums and make it difficult to get coverage when your policy comes up for renewal.
Speeding can not only impact your Alberta car insurance, it’s also a dangerous driving practice that is the cause of many driving fatalities.
According to Alberta Transportation Traffic Collision Statistics :
“Nearly one quarter (23.8%) of drivers in fatal collisions were reported as travelling at an unsafe speed compared to 7.7% in injury collisions. Collisions involving these 1,194 drivers resulted in 72 fatalities and 1,699 injuries.”
The combination of speeding and major accidents can create significant issues for you. You may have trouble getting insured and need high-risk auto insurance.
Failure to pay your speeding ticket on time will result in a late fee. More importantly, you will not be able to renew your Alberta vehicle registration or access any vehicle registration services from a registry agent until you pay your speeding ticket fine.
In Alberta, you can pay your speeding ticket in person at a registry agent or online through eService Alberta. Simply enter your ticket number and follow the steps online.
If you receive a “Ticket Not Found” message, your ticket may not have been entered into the system or it may be more than 2 years old. You can pay at a registry office.
Losing a speeding ticket is not something to worry about. Make sure you pay it on time. If you have lost or misplaced your ticket, contact Resolution and Court Administration Services at 1-855-738-4747 for assistance.
The number of Alberta demerit points for speeding will depend on how fast you were caught driving. There are 4 speeding ticket demerits categories :
Your speeding ticket fines in Alberta are based on the exact number of km/hr over the speed limit you are clocked at. Therefore your fines are directly attributed to speed. Here is a summary chart of speeding ticket fines in Alberta :
Speeding tickets will stay on your record for three years from the date you are convicted, not the date you received the ticket. Make sure to check your driving record and ensure your ticket is removed when it expires.
Insurers are not concerned about speeding ticket demerit points. Rather, they base costs on the number of speeding convictions and the severity of the speeding ticket.
If you get a speeding ticket in Edmonton, you are subject to the same fines and demerits as other cities in the province. You can pay for your speeding ticket in Edmonton at any Registry Office, Provincial Court, or online.
Your insurer usually finds out you have a speeding ticket when your policy is being renewed. It’s common for insurers to check your driver abstract during the renewal process.
The number of demerits you will receive for a speeding ticket will depend on how many kilometres you are caught going over the speed limit. Demerits range from 2 to 6 for speeding tickets.
Speeding ticket fines are directly related to the speed recorded on your ticket. Fines increase for every km/hr you are over the speed limit. Fines start at $78 and can go up to $2000.
Speeding tickets will appear on your driver abstract regardless of where you receive the ticket. You are required to pay the fine on time. An out-of-province speeding ticket can still increase your auto insurance quote.
Yes. Even though getting a speeding ticket may be a nuisance, paying it isn’t. You can pay for all speeding tickets online. Have the ticket number and your driver’s licence handy to pay online.
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| Tags | Auto Coverage |
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