There are multiple factors that insurance companies take into consideration when determining your car insurance rate, one of which is your driving record. This includes: How long you've been licensed Any tickets or collisions Licence suspensions, etc. Based on InsuranceHotline.com data, we found that 72 per cent of Oshawa drivers have a clean driving history with no tickets, accidents or licence suspensions; 12 per cent of drivers admit to having at least one traffic ticket, and 12 per cent also admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one accident (2.61 per cent).