Tickets vs. Demerit Points: What’s the actual difference?
Insurance companies don’t care about the number of points on your record. Instead, they look at your driver’s abstract—your personal report card for driving history.
Every ticket you receive—whether or not it carries points—shows up there.
- Speeding? On your record.
- Careless driving? On your record.
- Even a minor ticket, like not wearing your seatbelt, will appear.
And that’s what insurers use to calculate your premiums. So even if a ticket doesn’t add points, it can still raise your auto insurance rates.
The Real Bottom Line
- Fewer tickets = lower insurance, because your record looks less risky.
- Removing demerit points? That won’t lower your premium.
- The insurance company is watching the tickets, not the points.
Stay smart, stay safe—and don’t fall for driving myths.
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