Very few drivers understand that accumulating traffic tickets on their driving record... even really minor ones... can cause catastrophic increases in their insurance premiums.
The amount of the fine on your traffic ticket has no impact on your insurance premiums. Demerit points also have no impact on your insurance premiums.
Your rates go up based on: firstly, how many traffic tickets show on your driving record over a three year period; and secondly, what each of the offences are (eg. speeding ticket, red light camera fine etc.)
Managing your driving record (often plea bargaining) is critical to controlling insurance premiums.