If you are a new driver, chances are that you've heard of "demerit points" before. But as if often the case with most new (and young) Canadian drivers, you may not be totally aware of what those points are... or how they can affect your insurance premiums
Quite simply, the demerit point system is used to keep track of a driver's convictions on his or her driving record. Demerit points are assigned whenever a driver is found guilty of a certain offense. Before going further, let's take a look at some of the most common offenses in Alberta and how many demerit points you can expect to receive if you are found guilty of them:
- Failure to stop for a red light [3 points]
- Failure to stop for a school bus [6 points]
- Speeding on the highway [6 points]
- Tailgating [4 points]
- Traffic lane violation [2 points]
In Alberta, if you accumulate 15 demerit points within a 2 year period you can expect your driving license to be suspended for 1 month,. But that's not all... you can also expect your car insurance premiums to go up. The more points you accumulate, the more money you will have to pay each month.
Being a high-risk driver in Alberta can be costly, but it can also be dangerous. You may not think that those points accumulate fast, but if you are prone to dangerous driving habits you may want to think twice about this statement before hitting the road tomorrow.
Drive safely to save money on your car insurance coverage, but most importantly, drive safely to keep yourself, your family and other people safe.