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Insurance rates can be increased based on a number of factors. Most of us are aware that if you are involved in an 'at fault' collision we can most likely expect that at renewal time there will be an increase in our premiums.Most people are unaware that if a suspension (caused either by excessive demerits or as a result of a court imposed suspension for a high speed violation or a hit and run offence) appears on their abstract that they are looking at a substantial increase in insurance rates based on the suspension alone.