Auto Insurance Canada

What do good drivers and bad drivers have in common? The answer is rather simple; we all want to lower our car insurance premiums. By following a few simple steps, it is very possible to reduce your insurance rates by over 25%.

Drive Less

The old adage of ‘less is more’ rings true in this case; drive less, save more. Insurance companies have good reason to believe that if you drive less then the chances of you getting into an accident is obviously decreased. The average car owner travels nearly 20,000 km every year so your car insurance provider will recognize drivers who are below that average and may lower their rates appropriately.

Low Risk Category

In some instances, drivers will find themselves in the high-risk classification such as after a car accident. It is essential that drivers do everything they can to avoid this area since this is what causes rates to skyrocket. Also, having low risk drivers on your policy can do wonders in decreasing your auto insurance bill because they are obviously less likely to find themselves in precarious situations. By the same token, it is important to remove any high risk drivers from your policy even if they do not drive at all – just having their status on your policy can increase your rates. If you require Touring Caravan insurance, Shield Total will give you complete peace of mind when it comes to affordability and coverage.

One Size Fits All

Many insurance providers will offer discounted rates on their products for multiple purchases so if it at all possible, choose the same insurance company for coverage whether it’s for auto, health, home, life, or travel insurance. Insurance companies understand that they will only turn a profit if they keep their clients for the long-term and will go out of their way to satisfy consumer needs.

Unblemished Record

Having an impeccable driving record alongside an excellent credit report will win you over when it comes to insurance companies and more importantly, lower rates. Here are a few things you can do to show insurance companies that you are a responsible individual who deserves cheaper premiums than other drivers; steer clear of accidents and avoid filing unnecessary claims, obey rules and regulations, and paying your insurance premiums when they are due. Additionally, a great credit rating reflects good money and time management skills further illustrating that you are a mature adult who deserves absolutely the best rates.

Carrier Loyalty

In almost all cases, it holds true that the longer you remain with your insurance provider, the more of a discount you will be provided and the better the rates you will receive. Those who remain with their insurance companies for a continuous period of longer than three years are generally given a loyalty discount of about 5 to 10% and possibly more depending on several factors.

Cheap Car, Cheap Insurance.

It’s well known that cheaper cars will evidently require cheaper repair expenses and that equates to lower rates when it comes to your insurance coverage. On the other hand, if you drive a higher-end model vehicle, be sure that you choose a recognizable insurance brand. Although they will likely charge more of a premium because the costs of repair will be higher, you can sleep well knowing that these carriers will follow through with their policies.

Keep in mind that car insurance is one of the many types of “insurances” that you should obtain, another is travel insurance. If you plan on heading out east, be sure to visit India Travel. They are India’s leading tour operator offering all types of travel related services including vacation trips, travel guides, and agents who can help you out.

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You are wondering if you’ve got the best vehicle insurance price that you may have and you are warranted to, since auto insurance prices can vary seriously from one company to the next. Don’t let the phobia of high insurance premiums shatter your dreams for that gorgeous red speedster. The truth is, there are plenty of different insurance suppliers, and each supplier has a different formula for figuring out the factors that go into your individualized auto insurance Ontario premium. Utilizing the same info, one company may offer you a high rate and another company may offer you low car insurance.

The factors that affect the rates include the type of car you drive, your driving record, as well as age.

Age isn’t, in truth, simply a number. The more youthful you are ( under twenty-five ), the higher your vehicle insurance price will be, because less experienced drivers are said to be more inclined to accidents by automobile insurance firms, and thus viewed as a higher risk.

Another factor to consider is a marital status. A wedding relationship has a tendency to show a certain sense of commitment, responsibility, gravity, and stability in one’s life, which insurance companies take into account when giving their rates.

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This new career choice can stress you at first since there is no paycheck and your pay depends on commissions. This can be both good and bad depending on how you look at it, and need for the type of insurance you sell. People are not going to buy insurance unless they can afford it. Also, there are individuals that will try to live without insurance only to find out later that they should have had insurance all along. Especially when something unexpected happens, such as a fire, theft or an accident. That’s when you will get the calls that make people decide, but due to their history it may not be wise to insure such customers. If you are suffering because people are not spending money then you might be pressed to just sell the insurance anyhow.

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Insurance brokers have to go to school and they have to be licensed before they can sell. This is not a lengthy or expensive process, but can be slightly challenging when it comes to the law, since each broker has to be aware of both federal and state / provincial laws. If you are not good at talking to people then you will probably not be good at sales, because it comes down to talking people into buying what you are offering. Sometimes even the presence of a very intriguing deal isn’t enough to convince the penny pinched, so learn sales and pick your clients carefully. You can’t make much money with people who don’t have the money in the first place. When you decide to become an insurance broker you have to decide what type of insurance you want to sell. A good question to ask yourself is, “what type of insurance do I think benefits people”? Because to sell effectively you must believe in what you are selling, and if you do the sale will take care of itself. This is of course if you are a courteous person. Also ask yourself what type of insurance you are most familiar with. It could help you with sales if you already know something, rather then trying to learn something new and describing it to prospects. If you are a homeowner who lost your home and possessions due to a flood then you could probably talk more convincingly and accurately about homeowners insurance or about flood insurance. It all comes down to what you know and what you are interested in.

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If you are looking for Canadian insurance agents, then we know a place that will greatly help you with your search. Check out the Insurance Directory which has thousands of broker listings. Here is some of the cities where you can find agents:

If you are thinking of taking a new direction in life, and have strong points in customer service and sales, then consider becoming an insurance broker. Becoming a broker is a sure job and you will always be in business.  The good points are many but there are bad points as well, and unless you are really good at speaking in front of people, taking criticism and dealing with some conflict, then this would be a very hard and stressful job for you.  It’s not really a job, when people become an insurance broker it is a career choice.  Reason being is - this job brings with it many benefits including company benefits packages that include your own discount for using their insurance.

Auto insurance is a very precise business, with prices and monthly premiums calculated by complex algorithms, which are driven by each company’s business strategy. The strategy depends on the market opportunity that each insurance provider is going after, which is usually the one with least competition (does not mean any) and highest potential to make money. For instance, large companies such as RBC, All State, State Farm, TD etc are all after clients with great driving record, good income, and houses outside the city. This sector may already be competitive, leaving other, less desirable and riskier sectors under-insured, which is an opportunity.

In a case like that another company that offers coverage to those sectors at far cheaper rates than the competition will thrive. Though the profit margins are less, and the portfolios are riskier, in the end balance sheets show that it is still a good business. If you want to find life insurance quote than click on the previous link to check out the website. Used Cars - Westside Kia is one of the premier car dealers in Houston providing the widest possible exposure to potential buyers who can view, compare and select vehicles online. You can contact us by Phone: (281) 392-5858, Fax: (281) -392-6008 or email at tcoy@westsidekia.com for any services.

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Summer has arrived and the living is easy! All over Canada, urban dwellers are leaving the big smoke behind for some well earned R n’ R at the cottage! As a well known beer commercial says, a quintessential part of the Canadian experience is the journey to a cottage, be it that of friends, or your own. Said journey usually characterized by a handwritten map, winding country roads, and a belated arrival in the late evening or early morning!

But for all the shenanigans that accompany the summer sojourn to cottage country, it pays to remember to be safe. Here are some simple safety tips for cottage season.

The Journey

Journeys to cottage country are often undertaken late at night after a long days work. Factor in tiredness to unfamiliarity with rural roads and the risk of an accident increases. Ensure your car insurance sufficiently covers against all possible mishaps, take plenty of breaks while driving, and if at all possible endeavor to drive in daylight hours!

RV Insurance

Furthermore, if you, like many other Canadian cottagers use any recreational vehicles or trailers, be it en route to, or at the cottage, bear in mind these must also be insured! Known by many different names such as: RV, travel trailer, fifth wheel, camper, camper trailer, campervan, Caravan, towable trailer (or tow-able tent trailer), recreational trailer, mobile home or motor home, RV insurance is a must to cover any unforeseen mishaps that may arise!

The Cottage

Aside from Cottage Insurance which should be a given, cottages come in many different shapes and sizes, from de facto cabins to palatial country homes! However there are a few safety tips that hold true regardless of the size or shape of your place by the lake!

All cottages should have a smoke detector, as well as a carbon monoxide detector installed and working all year round. Along with property insurance, these are probably the most important elements of your cottage safety plan! All dwellings should have fully replenished functioning fire extinguishers on every floor, along with a separate implement for the kitchen.

When opening the cottage, especially if it has not been used in the winter, it is also vital you check for signs of damage, such as snow/ice damage, corroded wires/pipes, and of course any signs of the presence of unwanted furry friends! Only when you are sure your cottage is fully operational and safe, should you attempt to settle in!

Outside the Cottage

This is where the real fun happens in cottage country! The reason why we escape the city is encapsulated here! Clear lakes, dense woodland, mother nature at her best. Take heed of these few safety tips.

Water safety is crucial. Proper monitoring of any persons vulnerable to water is vital, as well as the proper equipment for any water based activities. That means life jackets, first aid kits, exposure blankets etc, the list goes on. Never take a chance with water safety.

On dry land the risks may not be as apparent, but are still very real. Barbecuing and open fires are two common activities, that while they are fun, must be treated with respect and due diligence. Barbecues should be protected from wind gusts, as well as any flammable materials in the vicinity. Furthermore, the barbecue operator should ensure a distance is kept between the Barbecue and all non users, as well as be experienced and responsible. The barbecue itself should be placed on top of something that is not flammable, so no barbecues on the second floor patio folks.

These are some basic tips that are by no means exhaustive. While it is important to let one’s hair down on vacation, it should never be at this risk of safety.

The same can be said of insurance. Ensure that before you leave home, your cottage, car, and RV or recreational vehicle are all adequately insured. If you have visitors arriving from overseas, point them in the direction of visitors to Canada insurance to ensure they can enjoy their vacation in Canada with peace of mind!

Taking the necessary steps and precautions will lead to you having a stress free time in cottage country. For all your insurance related needs, Kanetix is your one stop shop for price comparision, the rest we’ll let you take care of!

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Summertime is here, the winter but a bad memory! One of the features of summertime in Canada is the sight of convertibles once again becoming commonplace. Very few car owners can say they haven’t daydreamed at one point or another of cruising down the highway, wind whipping in their hair and the horizon stretching in front of them!

However, for the pragmatists amongst us, issues such as practicality and car insurance premiums invariably come into any purchasing decision. Do convertibles or soft tops cost more to insure? The perception is that they do, let’s see if this holds true.

First off, how are car insurance quotes for a particular model calculated in the first instance? All insurance quotes are based on empirical evidence of claims made for that type of vehicle, rather than the characteristics of the vehicle itself!

So the same holds for soft tops, whether or not they are claimed on more than their hardtop counterparts is what decides whether their premiums are higher or not.

Insurance comparison website Kanetix, (who also offer price comparisons for our US based readers) undertook some research on this very issue, and the results they found surprised many. Using their free online car insurance comparison tool, they came to the following conclusions. For the following models a price comparison was completed.

·         Audi A4 Cabriolet
·         Pontiac G6 GT Convertible
·         Toyota Solara SLE Convertible
·         MINI Cooper Convertible
·         Ford Mustang Convertible

For each vehicle, the number of quotes provided ranged from 9 to 12 from the various insurers available through kanetix; and in each case the average quoted price was less for the convertibles than their non-convertible version.

If this wasn’t suprising enough in itself, it was actually found that buying a convertible may actually help you save in certain cases! Differences of almost 2 per cent less to up to 10 per cent less than their ‘hard-top’ counterpart were observed. An expensive myth to be sure!

As to why the soft tops cost less to insure, we again return to the issue of less claims made. Perhaps the fact they are only driven during the summer months and avoid the winter driving conditions make for less claims, in any case it is a myth and an expensive one too!

So if you always dreamed of burning down Highway 66 in a soft top, get multiple quotes from competing suppliers for car insurance via Kanetix, and see whether or not buying a convertible will necessarily hit your pockets! And even if the softop doesn’t work out, be sure to compare quotes on your current vehicle, and see if you can find the best car insurance for your personalized needs!

And remember, the quote you receive for your convertible may also be the Cheapest Auto Insurance !

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Recession chic is in, it’s official. As the global economic downturn begins to bite, consumers everywhere are looking to penny pinch. Price sensitivity is at a level retailers became unaccustomed to in the boom years, slowly but surely we are turning to cheaper options in our everyday lives.
But in the rush to save pennies, we must not forget the adage, that if you always pay peanuts, you will sometimes get monkeys. With this in mind we examine whether the cheapest auto insurance is always the best option for individual consumers.
By choosing the cheapest quote we take into account only the price. Quite apart from the price, the current economic climate has introduced new concerns for consumers looking to purchase insurance policies. A few high profile bailouts of prominent institutions now mean the man in the street is worrying about the financial integrity of his or her insurance provider.

A good starting point is to look up an online ratings agency, which will help you to ascertain the financially soundest companies. Many insurance providers are publicly traded companies folks, so the information is out there for those who seek it! It is good to remember that the financially strongest companies may also be the most competitive when compared-more on that later.

Once you have reassured yourself that your would-be Insurance providers won’t be disappearing into a hole in the ground tomorrow, you can start the next phase of your research.

When we purchase insurance we all hope that the next time we need to interact with our provider is upon renewal. But accidents will happen; so it is important that you take this into account when researching.
A quick telephone call to your jurisdictions insurance regulators office will allow you to uncover any major complaints made against a particular company, and certainly separate the customer service wheat from the chaff.

Consumers now have access to information such as rankings on overall customer satisfaction, claims payment history, pricing, and communications via the internet. Use these resources to see who offers the best customer experience. There are a myriad of consumer sites in cyberspace where consumers share their customer service experiences and these will help you get a feel for who is popular amongst your auto insurance purchasing peers.

All that is left at this point is to seek out the the auto insurance quote that suits your personal needs. Kanetix.ca is a free online price comparison service that has been helping Canadians search for their best auto insurance provider since 1999.

Kanetix.com is the sister site of Kanetix.ca and is now offering the same service to US based customers via their free user friendly service. Not only is the service free, but it allows you to get multiple personalized quotes from competing insurers by only entering your information once. So you can search for not only the cheapest auto insurance policy, but one that corresponds to your individual needs.

[caption id=”attachment_23″ align=”alignleft” width=”300″ caption=”Personalized auto insurance quote?”][/caption]

In closing, it’s clear that the cheapest auto insurance quote may not always be the best option, as it only takes pricing into account. Your personal profile and expectations are what will determine what the best quote for you is, therefore robust research and a personalized price comparison are the tools you need to choose the best policy for your needs at the cheapest price.

There is a old saying that you should only believe half of what you see, and none of what you hear. This could easily be applied to Car Insurance, heres a quick rundown to help you seperate fact from fiction!

“The colour of your car affects your premium”

Whether your car is a sober grey or a kaleidoscope of colour, it will not in any way affect your premium.

To use an analogy, insurance providers are colour blind. So don’t fret too much about choosing the yellow Ferrari over the red, it will not affect your premium!

“2 Door vehicles cost more to ensure than 4 door vehicles of the same make and model”

On a case to case basis, this may or may not be the truth. The truth is that the amount of doors on your vehicle is largely irrelevant.

Premiums for individual vehicles are calculated with reference to the claims history unique to that make and model.  The real factors are the accident frequency, safety ratings, and incidences of theft and vandalism for each make and model of car. 

So, depending on the claims history, a four door may cost more to insure than a 2 door and vice versa.

“Parking Tickets will increase your premium”

You may breathe a sigh of relief, luckily for most of us, this is not the case.

What will affect your premium is unpaid tickets. Unpaid tickets affect your ability to renew your license, and may ultimately lead to a suspension. Needless to say, this will definitely increase your premium.

“Speeding tickets will increase your premium”

It all depends. Get your first minor speeding ticket (up to 50km/h over the speed limit), and chances are your premium will not be adversely affected. However, once they start piling up, insurance companies will take heed and increase your premium in all probability.

Unsuprisingly a major speeding ticket (more than 50 km/hr over the limit) will almost certainly lighten your wallet.

“If you are not at fault, you don’t have to pay your deductible”

It is the insurance company who have the final say as to whether or not you pay your deductible.

The police may well have deemed you not to be criminally responsible for the accident, but until the insurance company have investigated and ruled the accident not to be your fault, they have a right to waive your deductible. Until this is decided, you may have to cover the cost of any repairs yourself.

“All insurance companies charge the same rates so it doesn’t matter who you insure with”

Probably the most widely held (and expensive) myth. Insurance companies like any other enterprise are competing for a limited amount of paying customers, and as such their rates vary, in many cases greatly.

For any given individual driver profile and car model, it is safe to say you will never find two identical quotes from different companies. The way each company calculates their premiums vary greatly. Some put greater emphasis on driver experience, some on claims history, and so on and so forth.

It pays to compare and shop around, try the auto insurance comparison tool at www.kanetix.ca . It is a quick an easy comparison tool which will give you rates from multiple competing insurers.

Keep your car uncluttered – don’t have electronic devices, valuables, laptops, backpacks or purses, packages, or anything at all important inside your car and on display. Avoid tempting vandals and thieves with inviting items in full view. If you are consistently careless about this, your auto insurance rate will likely suffer one day.

Always take your keys with you - even if you are just dashing into the house to grab something, turn your car off and take your keys with you. Don’t leave your car running when going to the corner store, warming up the car in the winter, stopping at gas stations, or when going to the bank machine (bad for the environment too). Don’t leave a set of spare keys inside the car; experienced car thieves (i.e. car insurance rate increaser’s) know where to look for them.

Roll up all of your windows and lock your doors - you can always air out your car later, if you are worried about your car getting stuffy. It’s better to have a stuffy car than no car at all and a higher auto insurance rate later. This rule of course, doesn’t’ apply when you have children or animals in the car. Lock your doors when your car is in your driveway, parked on the street, in the parking lot at work, and even if you go for a quick run to the corner store for some milk. When driving, be cautious about traveling through non-major and dimly lit streets, but, if you have to, make sure you keep your eyes open and your doors locked.

Parking. Park your car in your own private locked garage if you can, rather than on the sidewalk or even in the driveway. If you have more than one car, consider keeping the more valuable one in the garage. Make sure to park in well-lit areas. If you know that you will not be returning to your car until later at night, it’s worthwhile to consider parking in a safer parking lot.

When you approach your car at night, always have your keys ready, and if possible, carry a flashlight with you. Before you start your car, make sure to take a look in the backseat and around the car and lock the doors once inside. Be wary if your car is parked between large vehicles, like vans or SUVs, to avoid being ambushed. It’s better to spend the money on parking at an attended lot than to park in a deserted street where there are no passerby’s, attendants, or witnesses. Remember, besides your auto insurance rate, or even your car, it’s ultimately your safety that should be your first priority.

Consider the type of car you buy in the future. If the make and model of car that you’re considering for purchase has a bad history of car theft, then it’s very likely that your auto insurance rate will be significantly higher than it would be with a car that has a lower auto theft rating. Consider your choice from this perspective.

Sometimes buying a car is not an option, maybe because it is too expensive or maybe because you are not willing to give tens of thousands of dollars. If so, then consider car leasing, which is a viable option. Leasing a car is avaliable with all auto makers, for both new and used cars. You can get some good personal car leasing deals from the dedicated team at Cheap Car Contract Hire and Leasing.

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Curious if there’s a better car insurance deal out there for you? Check your rates through kanetix car insurance shopping. You’ll get multiple quotes from multiple car insurance providers. It just might be worth your while to switch providers.