Auto Insurance

Ways To Save On Your Auto Insurance With Discounts

Ways To Save On Your Auto Insurance With Discounts

Ways To Save On Your Auto Insurance With Discounts Everyone loves a good discount! It’s a great way to lower what you pay for your auto insurance coverage. But are you getting all the auto insurance discounts available? Shop around and compare auto insurance quotes today to see how much more you could be saving with these popular discounts. Multi-vehicle discount If there’s more than one vehicle in your household, you may qualify for a break on your premiums, typically about 15 percent, as long as you insure all your automobiles through the same company. Bundle your policies for a multi-line discount If you insure your home (or condo/apartment) with the same company that insures your vehicle, you’ll likely save 15 to 20 percent. Roadside assistance Belonging to a roadside assistance program has many perks, including a chance to lower your…read more →

Ontario’s New Distracted Driving Laws

Ontario’s New Distracted Driving Laws

Ontario’s New Distracted Driving Laws Drivers convicted of distracted driving under the new laws will be punished with a licence suspension, a hefty fine and demerit points. The severity of the punishment increases with the number of subsequent offences committed: First offence: 3 days suspension and $1,000 fine Second offence: 7 days suspension and $2,000 fine Three or more offences: 30 days suspension, $3,000 fine and six demerit points Police will not be able to seize driver’s licences at roadside. They would have to get the approval of a judge in order to be able to suspend any driver’s licences. “It will not be a roadside suspension by a police officer, it will be conviction at court for an offence of distracted driving. Once you’re convicted, whether it is through a guilty plea or trial, you will lose your licence…read more →

Personal Lines Perspectives: What To Do When Your Vehicle Breaks Down

Personal Lines Perspectives: What To Do When Your Vehicle Breaks Down

Be Prepared No one ever plans to have their car break down, but you can plan ahead to deal with it safely. Read on to learn about some helpful hints to help you remain safe and injury-free should you get stuck on the road. Breakdown Safety Basics If your car breaks down, your safety should be your primary concern. Consider these safety tips: Move your vehicle to a safe area before getting out to check on damage or to make a repair. If you were involved in an accident, signal to the other driver to pull off to a safe spot too. If your vehicle will not move and is not drivable, stay in your vehicle and call for help on your cell phone. Always put on your hazard lights when you pull off to the side of the road…read more →

How Are Your Auto Insurance Premiums Affected When Your Child Goes Away to School?

How Are Your Auto Insurance Premiums Affected When Your Child Goes Away to School?

September is right around the corner and soon thousands of college and university students will be leaving the nest (and the car) behind. If your child is going away to school and is listed on your auto insurance policy, it’s time to give your auto insurer a call. It’s a call worth making as it could lead to a lower auto insurance rate. Speak to us today about your auto insurance policy! Student discounts help parents save Many auto insurers offer discounts designed to help parents keep a lid on the cost of auto insurance, and there are three discounts in particular that are worth exploring. Student Away from Home Discount If your college-bound student is attending school in another city or province, they won’t be driving your car nearly as much. Their time behind the wheel will be limited…read more →

The Inside Scoop on Car Insurance Premiums

The Inside Scoop on Car Insurance Premiums

Whether you’re thinking of buying a new vehicle or just shopping around for a new car insurance provider, it helps to understand how insurance companies determine the amount you’ll pay for coverage. Let us break it down for you. Contact us today about your car insurance coverage! How are car insurance premiums calculated? While there are several factors that go into determining the cost of your car insurance, here are three of the most influential things insurance companies consider: Statistical data about the make, model, and year of your vehicle. Insurance companies use the Canadian Loss Experience Automobile Rating (CLEAR) system to price car insurance based on the likelihood that a vehicle will be involved in a claim and how much it’ll cost to cover the damages. Vehicles that are statistically less likely to be involved in collision or theft…read more →

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