Demerit Points do not affect Insurance!!
Demerit Points DO NOT AFFECT INSURANCE. They only affect your ability to have a license, and come off your record after 2 yrs. So for you to get enough points to lose your license, must mean you're a pretty crappy driver. After 2-3 tickets in a 2 year period, I would just drive cautiously until my points fall off.
http://www.mto.gov.on.ca/english/dandv/ ... erit.shtml
This is another reason why I would not hire one of those ticket fighting companies, just because they can reduce your points. you can reduce your points yourself by showing up to court. I'd only hire them if I got involved in a major collision that involved numerous convictions.
Convictions on the other hand do impact your insurance. So if you plead guilty to a reduced fine and 0 points, guess what?!? That will still affect your insurance, as long as you plead guilty, you will have a conviction on your record. This isn't even a deal, because the likelihood of losing your license due to demerit points is so far fetched in my mind, unless you enjoy drinking and driving and get 3 tickets a year I dont know how you can lose your license.