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What Factors Impact My Car Insurance Rates?

What Factors Impact My Car Insurance Rates?

There are multiple different factors at play when insurance companies assess how much they’re going to charge you for your auto insurance. When looking at these various factors, the most important determinant of your premium is the amount of risk they present. Some auto insurance rating factors, such as driving record or vehicle type, hold more weight for determining your rate, while others, like gender or marital status are fairly insignificant.

Below we’ve included some notable factors that you should be aware of as they are the ones most often used by insurance companies to determine how much you pay.

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How to Avoid an Insurance Claim this Winter

How to Avoid an Insurance Claim this Winter

Depending on where you live, the winter is often an eventful season, where freezing temperatures and fierce snowstorms are often expected as part of the winter norm. Even if the weather is more forgiving, the inevitable cold temperatures can bring the need for costly repairs, and winter homeowners insurance claims can significantly raise the amount you have to pay on the next year’s premiums. If you’re adequately prepared, there are many risks of damage that can be avoided, reducing or eliminating the need for costly insurance claims.

Below we’ll list some of the most common winter homeowners insurance claims and what can be done to safeguard your home from these types of damages.

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What Types of Vehicle Insurance Do I Need?

What Types of Vehicle Insurance Do I Need?

Getting auto insurance for your car or truck is a given, but did you know there are several other vehicles that also require insurance? If you just upgraded your summer toys this year to include a new boat, ATV, RV camper or antique vehicle, don’t forget to insure those too. In some provinces, insurance is mandatory, but even when it’s not, insurance is your best protection from liability claims and having to pay out of pocket for damages and losses. Learn more about the different types of vehicle insurance you may need and why.

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Do I Need to Insure My Home-Based Business?

Do I Need to Insure My Home-Based Business?

Do you know what one of the most common mistakes is that home-based business owners make? They assume that their homeowner’s or renter’s insurance policy will cover their home-based business. This small oversight has cost many small business owners across Canada hundreds of thousands of dollars in losses. Some have even lost their business altogether. If you own a home-based business, make sure you get the proper insurance to protect you from the risks that you could face when working at home. What could impact your home-based business?

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10 surprising things that are covered by home insurance

 Your home insurance policy is designed to protect you and your property in all kinds of emergencies, from fires and floods to theft and vandalism — but you might be surprised to learn that these 10 things are covered in most standard home insurance policies:

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