We're nearing the end of 2009, which makes now a good time to recap some of the changes that have occurred this year in the insurance industry and with driving laws. We list the highlights in this article.

The main purpose of insurance is to protect you in the event of an accident — whether or not you are responsible — in exchange for a premium charged by the insurance company. Your insurance company determines how much you'll pay for insurance by assessing the answers you disclose on your auto or home application.

My child is attending university in another province and has taken one of my cars with her. Will she be covered in the event of an accident?

Drivers in Ontario are about to get hit with car insurance rate hikes. Are you going to be affected? Find out what you can do about it.

Do you know what factors affect your insurance premiums?

The deductible is one of the most important options you will select on your car insurance policy. This is because it directly impacts how much your insurance premium will cost and the amount you agree to pay out-of-pocket in the event of a car accident or a claim.

How Does InsuranceHotline.com Work?Users complete a simple online form, answering the same basic questions asked by most insurance brokers and agents.The process typically takes 5-10 minutes. InsuranceHotline.com then runs this information against its database of over 30 insurance companies to find the lowest rate available through its large...