Tag: auto insurance

A two lane highway with cars driving through a snowstorm overlaid with text reading 12 factors that impact auto insurance rates.

12 Factors that Impact Auto Insurance Rates

Your auto insurance premium is affected by many different factors. Some of these you can control and others you cannot. This article will explain 12 of the most important factors that impact auto insurance rates, which include:  Your driving record  If you’ve taken driver’s training  Your insurance history  Your credit rating  Your demographics  Where you live  How you […]

Read More

How does an at-fault accident affect my car insurance?

Depending on the province you live in, who is at fault in an accident is incredibly important: it determines who will pay for injuries and damage in an accident and whose insurance rates will go up. Being at-fault in an accident can significantly impact your insurance, especially if you also receive a ticket or criminal […]

Read More

10 Reasons Your Car Insurance Won’t Cover You

Did you know your car insurance company has the right to deny coverage in certain situations? Some items on this list are simply not covered while others will leave you with a voided car insurance policy. You may receive advance notice or have none at all – it all depends on the situation and your […]

Read More

Usage-Based Car Insurance: What You Need to Know

What is usage-based car insurance? Usage-based car insurance, also known as “pay as you drive” (PAYD), “pay how you drive” (PHYD) and telematics insurance, is when premiums are determined by an individual’s driving habits. Although not the only factor, a driver’s car insurance policy becomes more dependent on their competence on the road. Consequently, the […]

Read More