Distracted Driving Insurance
For over 30 years, Humberview Insurance Brokers has been a leading provider of specialized auto insurance for residents of Ontario, Canada, including coverage for drivers with distracted driving convictions. We understand the unique challenges faced by drivers after a distracted driving charge, and we specialize in finding affordable insurance solutions tailored to those who need car insurance, including drivers seeking lower rates after a distracted driving violation. Our commitment extends beyond just offering competitive insurance rates; we aim to empower drivers with support. We provide expert advice and personalized service. From your initial inquiry about auto insurance after a distracted driving conviction to securing your policy – and beyond – our team is dedicated to guiding you through every step, ensuring a transparent and exceptional insurance experience. Contact us today to explore your options for distracted driving car insurance in Ontario.
Standard Distracted Driving Car Insurance
Liability
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
Direct Compensation property Damage
Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage)
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.
Accident Benefits
Provides compensation if you or others are hurt or killed in a car accident.
Regardless of the type of car insurance policy you need, the above coverages are considered standard car insurance coverages for an Ontario auto insurance policy.
Additional Coverage Options Available for Your Distracted Driving Insurance Policy
Collision Coverage
Covers your damage to your car a result of hitting an object or another car.
Comprehensive Coverage
Covers some insured damages such as falling objects, theft and fire.
All Perils Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness Coverage
Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.
Depreciation Waiver Coverage
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle Coverage
Provides you with a rental vehicle to a specified limit after an insured loss.
What is Distracted Driving Insurance in Ontario?
Distracted Driving Insurance in Ontario refers to specialized auto insurance coverage for drivers with distracted driving convictions on their records. Since distracted driving (e.g., texting while driving, using a phone without hands-free technology, or other distractions behind the wheel) significantly increases accident risk, many insurance companies view these drivers as high risk, resulting in higher premiums. Distracted Driving Convictions usually result from:
Using a phone or other hand held communication device
Viewing display screens such as watching a movie
Using a tablet or portable gaming device
Programming a GPS Device
How Does a Driver End Up Needing Distracted Driving Car Insurance?
Conviction
Driver gets Convicted of Distracted Driving
Non-Renew Or High Rate
Their Insurance company May non-renew or renew at a much higher rate
Getting Quotes with High Risk Companies
Select insurance companies agree to take you but unusually for ah higher premium
Temporary Solution
The coverage provided by Ontario high risk insurance companies for distracted driving is typically temporary while your record improves.
Factors Influencing Distracted Driving Car Insurance Rates in Ontario
Your Choice of Vehicle
Insurance rates can fluctuate depending on the type of vehicle you drive. Cars with advanced safety features and high safety ratings are typically less expensive to insure, while high-performance vehicles with larger engines may increase your premiums. Opting for a vehicle with the latest safety technology can help lower your insurance costs.
How You Drive
The frequency and purpose of your driving also affect your insurance rates. Regular commuting in high-traffic areas increases the likelihood of an accident, which can lead to higher premiums, especially if you've had a distracted driving charge
Where You Live
Living in urban centers or areas with heavy traffic increases the risk of accidents, thus impacting insurance premiums. Drivers in busier areas may face higher costs, particularly if they've been convicted of distracted driving.
Your Driving Profile
Your driving history, age, and any previous infractions—such as a distracted driving conviction—play a major role in determining your insurance rates. A distracted driving offense can significantly raise your premiums, making it crucial to maintain a clean driving record to avoid higher costs.
Coverage Selection
The type and amount of coverage you choose directly influence your insurance costs. Following a distracted driving conviction, it’s essential to ensure you have the appropriate coverage, even though it may come at a higher price.
Available Savings
While distracted driving convictions may limit the availability of discounts, it’s still worth exploring potential savings like bundling insurance policies or installing telematics devices to demonstrate safe driving habits. Some insurers may offer ways to lower premiums over time if safe driving behavior is maintained.
How to Save on Car Insurance After a Distracted Driving Conviction
Comparison Shop
It’s essential to compare quotes from different providers to find competitive rates, especially if you've received a distracted driving ticket. Insurers assess risk differently, and shopping around can help you discover better options to reduce the impact of a distracted driving insurance increase.
Bundle Your Policies
Combining your distracted driving insurance with other policies, such as home or renters insurance, can unlock discounts. Bundling policies is an effective way to offset higher premiums after receiving a distracted driving fine.
Adjust Deductibles
Raising your deductible can lower monthly premiums, but make sure the amount is manageable if you need to file a claim. This strategy can help reduce costs when facing higher distracted driving insurance rates.
Choose Your Vehicle Wisely
If you're buying a new car, opt for one with high safety ratings and lower repair costs. Safer vehicles are often associated with cheaper premiums, helping to offset the costs of distracted driving insurance.
Look for Discounts
Ask your insurer about discounts, such as low mileage programs, telematics-based savings, or safe driving courses. Even with a distracted driving ticketon your record, these discounts can help reduce your premium.
Switch to Annual Payments
Paying your premium annually instead of monthly helps you avoid administrative fees, resulting in savings. This approach is especially useful for drivers facing a distracted driving insurance increase.
Use Winter Tires
In Ontario, installing winter tires can earn you a discount. If a distracted driving fine has raised your premiums, taking advantage of winter tire incentives can help lower your overall insurance costs.
Consider Multi-Vehicle Policies
If you own multiple vehicles, insuring them under one policy can make you eligible for a multi-vehicle discount. This can ease the financial impact of being classified as a high-risk driver due to a distracted driving ticket.
Consulting with an insurance broker who specializes in distracted driving insurance is a great way to explore these savings options. Since insurers vary in how they assess risk, tailored advice will help you find the most affordable coverage for your situation. These strategies can make a difference in managing costs, even with the challenges of a distracted driving convictiond on your record.
Tips for Distracted Drivers
For drivers in Ontario who require Distracted Drivers insurance, the goal is not just obtaining coverage but also improving driving records. Distracted Drivers insurance policies offer an opportunity to rehabilitate driving habits and eventually qualify for better car insurance rates. This process not only leads to financial benefits but also promotes safer driving, benefiting all road users in Ontario. Here are some practical tips for drivers navigating the realm of DUI car insurance.
Put Away Your Phone
The simplest way to avoid penalties is to eliminate the distraction entirely. Put your phone on silent or "Do Not Disturb" mode and store it in the glove compartment or a bag while driving. Using any hand-held electronic device while driving is illegal and can result in fines and demerit points.
Use Hands-Free Devices Responsibly
If you must use your phone, rely on hands-free devices. However, it’s safer to limit phone use altogether while driving , as even hands-free calls can be distracting. Make any necessary calls or send texts before or after your trip.
Program GPS and Set Music Before Driving
Input your destination into your GPS and choose your playlist or radio station before you start driving. Adjusting these settings while on the road is considered distracted driving and can lead to fines.
Avoid Eating, Drinking, or Grooming While Driving
Although not specifically prohibited under Ontario’s distracted driving laws, eating, drinking, or grooming can impair your ability to drive safely. These actions could result in other charges if they lead to dangerous driving behavior.
Distracted Driving Car Insurance FAQ
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How is Distracted Driving Defined in Ontario?
Distracted driving in Ontario is defined as any activity that diverts your attention from driving, specifically the use of hand-held electronic devices. This includes texting, calling, or programming a GPS while driving. Even holding an electronic device is considered distracted driving, and the law also prohibits viewing display screens unrelated to driving.
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How Long Does a Distracted Driving Conviction Stay on My Record?
A distracted driving conviction typically stays on your driving record for three years. However, some insurance companies may review your record for up to six years if the conviction involved a license suspension. Insurers use this extended period to assess risk, particularly for major offenses like distracted driving that lead to suspension.
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Can I Get Car Insurance in Ontario After a Distracted Driving Ticket?
Yes, you can still get car insurance after a distracted driving conviction, but you may face higher premiums. Since distracted driving is considered a major offense in Ontario, insurance companies will view you as a higher-risk driver, which will result in increased rates.
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How Can I Reduce My Insurance Rates After a Distracted Driving Ticket?
To reduce your insurance rates after a distracted driving ticket, consider the following strategies:
- Comparison shop:
Get quotes from different insurers, as some may offer better rates for high-risk drivers.
- Bundle policies:
Combine your car insurance with other types of insurance, like home insurance, to access discounts.
- Telematics programs:
Some insurers offer usage-based insurance programs that track your driving habits. Safe driving behavior can help lower your premiums over time.
- Increase deductibles:
Opting for higher deductibles can lower your monthly premiums.
- Comparison shop:
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Can I Use My Phone if I Am Stopped at a Red Light?
No, you cannot use your phone at a red light. In Ontario, the law prohibits the use of hand-held devices even when stopped at traffic lights or in traffic jams. The vehicle must be safely parked in a lawful parking spot to use a phone.
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What Kind of Conviction is "Drive - Handheld Communication Device"?
A conviction for "Drive - Handheld Communication Device" is considered a major offense under Ontario’s distracted driving laws. It means that the driver was caught using a hand-held device, such as a phone, while driving. This offense carries penalties such as fines, demerit points, and license suspensions, especially for repeat offenders, and will significantly impact your insurance rates.
Ontario High Risk Car Insurance Guides & Resources:
DUI Insurance in Ontario: What You Need to Know After a Conviction
Does a Speeding Ticket in Ontario Affect My Car Insurance?
How Distracted Driving Penalties Are Leading to Insurance Increases in Ontario
Back on Track Ontario: Program Details, Costs, and Locations for License Reinstatement
Driving in School Zones: Fines, Tickets and Insurance.
