We are not aware of any way in which to reduce your demerit points in Ontario, Canada. The only way to reduce or eliminate demerit points that we have read about is to fight your traffic ticket in Court so that you are not convicted of the offenses you were cited for. It would appear in your case however that these are past violations which you have already been convicted of in court and assessed points.

We have not found that there are any Safety schools, traffic schools or defensive driving courses that you could take to reduce your points. Once the court has convicted you of the violation they inform the Ministry of Transportation (MTO) who then places the demerit points on your driving record.

Demerit points stay on your record for two years from the offence date. If you accumulate enough demerit points then you may lose your driving privileges. So to keep your points total down you need to keep from being convicted of any more offenses and the points you have on your record currently should be removed 2 years after the violation date.

Your notice from the MTO would appear to be a warning letter that they send out to fully licensed driver once they have accumulated at least six demerit points. If you do not receive any more points you should be okay for now but if at nine points, you may have to go to an interview to discuss your record and give reasons why your license should not be suspended. If you do not attend, your license may be suspended.

At 15 or more points, your license will be suspended for 30 days from the date you surrender it to the Ministry of Transportation for the first suspension. You can lose your license for up to two years if you fail to surrender your license.

After the suspension you may be required to complete a driver re-examination (vision, knowledge and road tests), the number of points on your record will be reduced to seven. Any extra points could again bring you to the interview level. If you reach 15 points again, your license will be suspended for six months.

So while if you keep from receiving anymore tickets for traffic violations you should be able to get your points back down to zero after 2 years from the violation dates of your citations for disobeying the traffic signal and speeding. If you continue to accumulate points than your driver's license could be at risk.

While we are not aware of any driver improvement course you can take to help your driving record you can contact the MTO directly to find out if they have any information on this. Also you can contact your insurance company to find out if taking such a class could help your insurance rates.

Any conviction on your driving record or abstract can affect your insurance in Ontario, even if demerit points are not assigned to the offense. Ontario insurance companies assess your insurance rates depending on what they perceive as their risk of having you as a policyholder.

Items such as traffic violations on your driving history thus can make some insurance companies find you as a higher risk and increase your premiums. To find out how much your insurance is affected by the violations you have on your driver abstract, contact your insurance provider and ask about their rating system for premiums. See if they assign risk points to you when you receive traffic citations and if so ask how that system works.

If your insurance rates are too high, shop around for insurance. You can start here by obtaining a Canadian car insurance quote.