Need Help Finding Auto Insurance? Get Tips & Learn About The Myths

Which convictions are minor, which are major, and which are criminal?

Demerit points are assigned by the Ministry Of Transportation and determine whether or not your driver's licence should be renewed.

7,896 tickets issued in Toronto, as reported last week by the police on their crackdown for driver's producing licensing, ownership and insurance documents. 

Police issued tickets and convictions will dramatically increase your car insurance rates, however, Photo Radar tickets have no affect on your auto insurance rates.

Tickets issued under the Highway Traffic Act, Insurance Act or Criminal Code appears on your driver abstract and affects your insurance rate.

Is the fear of higher insurance rates influencing your decision on buying a new car? 

These rates were based on a 35 year-old driver in Toronto (M5C 2C5) with 19 years license and insurance experience. Coverages are million for liability, 0 collision deductible and 0 comprehensive deductible. 10,000 annual km with a commute distance of 5 km one-way to work. The vehicle was a 2001 Chrysler Intrepid 4 DR.

Insurers just announced another record profit of .2 billion dollars. Many feel they've made this money from the pocketbooks of the drivers, and not as a result of a return on their investments. 

If you're paying more then you feel is right for your car, home, life or business insurance, your insurance company may be trying to tell you something. It's called a 'Go Away Rate.'

When do you report an accident, when don't you, and what are the consequences? 

I was wondering when the financial community would start including InsuranceHotline.com as part of their portfolio for saving their clients money, instantly. 

Any traffic ticket, excluding parking tickets, can cause your insurance rate to skyrocket by thousands of dollars. But getting a ticket is different than being convicted. Just because you receive a ticket does not mean you are guilty of the offense. 

This is a good time for homeowners and drivers to check their insurance coverage - Why? 

Car insurance companies have plenty reasons for increasing your auto insurance rates. They are consistently searching for tickets and suspensions by performing background checks and investigations. Once your auto insurance company finds a new ticket, be prepared for a sharp increase in your rates. A speeding ticket issued 500 miles from home, in another province or state can cause your insurance rate to increase. 

Car dealers say sky-high insurance rates are hurting new car sales, yet the insurance industry insists rates have come down. Who's right? 

A consumer named Andre came up to me the other day and said, loudly, I add; "I've been ripped-off on my car insurance! I was paying 8 a month and now I pay only a month, for the exact same policy!"

Fact Or Fiction? InsuranceHotline.com received over 7,800 inquiries in 2005 regarding auto and home insurance. Here are the "Top 10 Insurance Myths".

You have 1.3 seconds to avoid a crash. Will you be ready? Here are some valuable tips to avoid split-second driving emergencies:

When it comes to determining which sex causes the highest number of collisions, it will shock you to know that both men and women are equal. But it is quite a different story when it comes to insuring your car if you're a man or women under the age of 25 years old.

Driver's training is good for you and your pocket book too.

Here’s what you need to know when deciding whether to report your insurance claim, or pay it yourself.

Car insurance is a lot of money for something you may never end up needing. Every single car owner needs insurance, but not every owner can afford expensive insurance rates. After reading this article, you will no longer feel "helpless" when it comes to controlling your hard earned money. There is a good chance you could immediately save hundreds, even thousands of dollars on your car insurance.

If you are charged with a traffic violation or have been involved in an accident, these are serious issues that can affect your licence and insurance rate.

updates 30 of the top Canadian insurance company rates every week. And car insurance rates are dropping, especially the rates for ‘good' drivers.

Distracted Driving, including the use of cell phones, is a major contributor to automobile crashes.

In Toronto, attendance at a collision reporting centre is optional. It is your right to request that a police officer attend at the accident scene.

Car insurance rates go through the roof when consumers are involved in one accident or more. Nobody wants to be in an accident, but some are unavoidable and sometimes beyond the control of the driver. 

You've seen them. Those circular intersections that are used instead of stop signs and traffic lights. There are over 1,200 roundabouts in North America today and hundreds more planned. Do you know the benefits of these "roundabouts"?

My insurance company said that my vehicle was a "total loss" after my accident. How did they decide that?

It's a beautiful Saturday morning and you decide to take your car out for a spin. But when you open your front door, you discover your vehicle has been stolen right from your own driveway. Immediately you ask yourself "out of all the cars in the world, why steal mine?"

There is no specific age when a person is legally required to stop driving. It's important to understand getting older doesn't necessarily turn people into bad drivers. Drivers between the ages of 55 and 70 have the lowest rate of collisions of any group in Canada as presented at the Aging Driver Mobility Forum in Toronto. However, once over the age of 75, the collision rate is similar to that of young beginner drivers.

Is it necessary to contact the police after a car accident?

Here are a few little known facts about tickets: 

Ever wondered what you're supposed to do if you find yourself at the scene of an accident after 911 has already been alerted?

Does your home insurance policy cover you if a guest or household employee falls and injures themselves on your property and sues you for damages?

Does your home insurance policy cover you if your dinner guest gets a severe case of food poisoning and sues you for damages?

With almost 3,000 deaths per day related to car accidents, one can only imagine how many injuries there must be.

An InsuranceHotline.com poll this week found that out of 11,805 respondents, 39% of drivers didn't't know that if they get into an accident or slide into a ditch because of black ice, freezing rain, or other surprise winter weather, their insurance company considers them to be "at-fault" and their rate will go up. 

A recent consumer survey shows that gas brand loyalty is taking a backseat to high gas prices. 

Nearly half of Canadian drivers would trade their cars for improved public transit, according to a new poll released today by InsuranceHotline.com. 

Gas prices have just hit a record high and -- according to the Romanov Report's an online consumer poll, through InsuranceHotline.com, -- people feel that the pricing set by insurance and gas companies inspires less confidence than lawyers and mechanics. 

Feeling run down by the cost of your car insurance? Opening up your car insurance renewal can feel like a "hit and run" but there's a way to stop the bleeding.

Gas Prices and Insurance Rates are Driving People to the Poor House 

A killer insurance rate has a certain profile. Various factors determine your car insurance rate including your age, gender, where you live, and especially how you drive.

We all know that we need tickets for planes and trains, but do we need them for automobiles? The answer is "No!" It's true, we don't need tickets for our cars, but how many of us can say that we've never received one? Not many.