Canadians are no strangers to commuting. Living in such a vast country, Canadians often rely on cars as part of daily life. From daily urban trips to multi-day road trips, there is much to explore. Canada's road network spans almost 900,000 kilometres — longer than a round trip to the moon. Even when following all safety rules, accidents can still happen. In Canada, there are 160,000 car accidents each year. Depending on where you live, Canadian weather can play a role — snow, slush and black i
When a driver gets behind the wheel, they need to be focused and alert to reach their destination safely – and to do so without endangering others. Ontario’s RIDE Program (Reduce Impaired Driving Everywhere) helps make our roads safer. Sharing the road with hundreds and even thousands of other people during a trip presents the possibility for danger. No matter how safe and responsible you are, certain factors can raise the risk of accidents. Those who choose to get behind the wheel while intoxi
When it comes to insurance, licence suspensions are considered a serious strike on your driving record. Suspensions are a guaranteed way to get pushed into the high-risk insurance category. You can receive a suspension for serious crimes such as impaired driving or non-criminal offences such as failure to pay fines. The top reasons Ontario drivers receive licence suspensions include: Distracted driving Unpaid fines Impaired driving or driving in warn range Driving without insurance Breaking gr
Looking for ways to save on the road? Here are our top five money-saving tips for Ontario drivers. 1. Take Advantage of Technology Taking advantage of the benefits of technology can be a huge money saver when it comes driving. Smartphone applications can save you time, gas money and wear and tear on your vehicle. Check out the following applications: Waze: Traffic and trip planner Gas Buddy: Find gas stations in your area and compare prices to get the best deal But don’t forget to go hands-f
A combination of factors determine your insurance rate. These factors include your profile as a driver, your location, the coverage you choose and your deductible. In addition to these factors, the vehicle you are insuring affects your insurance rate. What Is the CLEAR System? When evaluating your potential risk, insurers will check your vehicle’s Canadian Loss Experience Automobile Rating (CLEAR). According to the Insurance Bureau of Canada (IBC), the CLEAR rating system is an “accurate and cr
There is no getting around it: If you want to drive a car in Ontario, you need to have auto insurance. Lying on your insurance application can leave you without coverage. Without it, you could be looking at fines between $5,000 to $50,000, a license suspension or, worse yet, getting into an accident that causes injury or death and being held personally responsible for the costs. It pays to have auto insurance. It also pays to tell the truth on your insurance application. Ten percent of Ontarian
In the chaos of day-to-day life, bills can pile up. It’s not that uncommon to forget about a bill payment or feel that end-of-the-month crunch and think about deferring. Choosing to forgo an auto insurance payment, however, is a different ballgame. Unfortunately, missing even a single premium can cause you a lot of problems and missing more than one can really cause things to spiral out of your control. If you are – or think you might be – late with an insurance payment, call your provider imme
Having a driver’s license is extremely useful. Being able to provide your own transportation can give you a sense of freedom. Not only do you get to pick when you go, you can pick where you travel. However, bad driving habits can get in the way of this freedom when you wind up with a suspension or unaffordable insurance. The Importance of Driving School Driving school, also known as driver’s education, is a great way to learn the ins and outs of driving. For licensed drivers, going back to driv
All-Terrain Vehicles (ATVs) and snowmobiles allow you to explore the great outdoors in a thrilling way. However, a significant mistake that most ATV and snowmobiles owners make is assuming their auto insurance or homeowner’s policies cover these recreational vehicles. Without adequate off-road insurance, you will expose yourself to unnecessary personal liability. Snowmobile Insurance If you love riding your snowmobile when the snow falls, you should consider getting a snowmobile insurance. Acci
