Wednesday, July 30, 2014

How to save money on Car Insurance.

Car Insurance is a costly expense but it is not an option. Auto Insurance is the law. Finding the best rates for affordable car insurance can be overwhelming and challenging. Here is some information for you on how you can save on car insurance.

You may already have car insurance in place however you should not always assume that your current insurance company is giving you the best rate. You should shop around for auto insurance every year before your policy is about to expire. Insurance companies compete with each other and we should use that to our benefit. You may find that you will pay half of the insurance premium you paid a couple of years back.

It is wise to have all insurance policies with the same insurance company. This will give you a discount on all your policies and can save you up to 10%. Whether you own a home or have a spouse or child with a car in the same household, it makes sense to insure them all with the same company.

If you didn’t take a driving education course when you first got your license then now is the time. Most insurance companies offer discounts for drivers who have taken training.

Many car insurance companies base their rates not only on who is driving but also how much you will be driving. You can expect to pay more if your commute to work is long than if you worked around the corner.

Your driving record will affect your insurance premium. Most people already know this but if your driving record is blemish free, your premium will be lower than if you’ve a conviction or accident. If you have a claim then most car insurance companies will increase your premium.

Increase your deductible. The deductible is the amount of a claim that you are willing to pay. If you have a $500 deductible and you put a claim for $1500 then you will pay the first $500 and the insurance company will pay $1000. Increasing the deductible can reduce your premium by 5% to 10%.

Before you purchase a vehicle, be sure to get insurance quotes that you are planning to purchase. The type of car you drive will affect your insurance premium.

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Monday, June 23, 2014

The Cost of Distracted Driving

As a driver, you have a responsibility not only to yourself but to your passengers and to everyone else on the road. You only have so much control over your safety on the road by wearing your seatbelt, staying alert and adhering to the rules of the road such as speed limit. The problem is not everyone is as responsible and that puts you in danger.

Tragic accidents occur but most likely than not, the cause is due to carelessness on the road. It takes one driver not paying attention to cause a deadly tragedy.
Cell phone use and texting is a far too common distraction when driving but anything from applying makeup to attending to children in the backseat can be a distraction. When distracted you’re failing to process 50% of all visual information in your driving environment.

Pedestrians also need to be focused on the road and their environment when crossing the street, riding a bike or taking the kids for a brisk walk. Driver distraction delays the drivers reaction and even if the delay is for a second, that’s a second that can make a difference between life and death. We are all vulnerable on the road.

Make safe and proactive decisions as the outcome is worth the minor inconvenience. Visit our for more valuable information and tips.


Tuesday, May 27, 2014

Getting a Good Deal on a New Car

A typical Canadian motorist will purchase 10 to 12 cars during the course of his or her life. If you’re planning on buying a new vehicle and want to get a good deal, it’s essential that you do your homework before going to the dealership. Follow the advice below and you will leave the dealership with not only a new car, but also the satisfied feeling of having gotten the best deal possible.

Whittle down your choices
First, you have to decide what kind of vehicle suits your needs. Do you want an SUV with plenty of room for the family or a small car that’s fuel efficient? You have to start by defining your model class and price range.
Do your research
Your next step is to do research on the features, safety ratings and performance reviews. The class of vehicle you prefer may have a dozen different models, so you need to narrow down your selection. Consult dependable online sources such as, and
Arrange financing off the car lot
Before visiting the dealership, line up the financing for a car purchase through a reputable third party. Auto dealers make much of their profit on financing deals, so third-party financing will likely carry better rates and terms than what the dealer offers. Save money by arranging your car loan off the lot and ahead of time.
Take a test drive
You should take any vehicle you’re considering buying for a test drive. Even if the reviews are positive, you need to be sure that you feel comfortable behind the wheel. So test-drive the vehicle for at least 20 minutes on the same roads that you usually frequent. Adjust the seats and become familiar with the various features.
Negotiate a better price
The car salesperson will try to sell you the car for the Manufacturer Suggested Retail Price (MSRP). This is the published price--what the dealer hopes to sell for, but not what he expects to sell for. If you can knock $500 to $1,000 off that price, you’re probably getting a good deal. But in order to do that, you need to know the factory invoice/wholesale price. You also need to know what factory rebates are available on the car. All this information is available in a CareCostCanada Wholesale Invoice Price Report.
Take the invoice/wholesale price, and deduct all the relevant cash rebates. This is the amount at which to start the negotiations, since this is the true price that the dealer paid for the car from the factory.
If you’re considering a car with a sticker price of $30,000, the dealer may have paid $25,000 for it and wish to make a 10% profit - $2,500. But if push comes to shove, the dealer may settle for a 3 to 4% profit - $750 to $1,000. That would mean a saving to you of as much as $1,750 that would otherwise have been pocketed by the dealer as additional profit. It pays to be an informed and skilled negotiator at the dealership!
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Sunday, September 22, 2013

Domestic Cars Are More Popular Than Ever!

With all the recent negative publicity in news about Toyota, it seems that the days where all we heard about was the financial crisis at GM are over.

Domestic car manufacturers have been emerging with more fuel economic, stylish and affordable vehicles. Manufacturers like Ford are leading the domestic race, continuing to produce some of the highest quality vehicles while GM has rolled out its new, post-bankruptcy line up.

So where does that leave you? Import or domestic? It seems that there are so many choices and so many deals out there. The car makers aggressively advertise their new car line ups, advertising deals to move those new cars. The problem is when you visit the manufacturer all they have to show you is their vehicles.

Why sample one appetizer, when you can try them all.

A pre-owned low mileage vehicle is a great plan for someone who is looking to go to one dealer and test drive all different makes and models of vehicles. Low mileage pre-owned vehicles usually are lease returns that have only had one owner. Another benefit to buying a low mileage pre-owned vehicle is you get the benefit of the remaining manufacturer’s warranty and can avoid the “drive off the lot” vehicle depreciation that occurs when you buy a new vehicle.

Many who like import vehicles, like them because they have a reputation for holding their value. Well I guess Toyota is an example that anything can happen and the best thing is to choose a vehicle that you like, feel comfortable in and fits into your budget.

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Tuesday, September 3, 2013

How to drive safe with kids in cars ?

We love our children and want to dote on them so it’s very easy to understand why a parent would leave a child alone in a car for a minute or so to pick up laundry or to pay for gas. Taking your children out of the car in freezing temperatures or waking your toddler up from a deep sleep is not ideal when it simply takes a minute to pop in and grab a carton of milk at the nearby convenient store. These actions can all be understandable but the consequences can never be reversed.

Accidents can happen within moments of leaving a child unattended. Kids can suffer from hypothermia in freezing temperatures. On a sunny day, the temperature inside a car can jump 10 degrees causing your child’s body temperature to rise which may cause heat exhaustion. Leaving your car running should not be an option because your car may get hijacked. Some hijackers wait around and scan for these opportunities, sometimes not noticing that there is an infant/child in the car. The child may be old enough to get out of the car seat and start playing with the gear shifter or they may play with windows getting their limbs or neck caught. Your child may also become violently ill in an instant and start choking.

Unattended children in vehicles may not be widely publicized as often as it happens but the results are usually deadly. It does seem like a harmless thing to do and it definitely shaves minutes off our busy schedules but a minute is all it takes.

Planning ahead to use drive through services when available, calling the dry cleaners and asking them to drop off your items to your car and have the exact change ready, arrange a babysitter for an hour once a week to get all small errands out of the way will not only save you time but will eliminate any tragedies.

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Thursday, July 25, 2013

What you should know to save money when repairing your car

Using a dealership when repairing or getting regular maintenance is very costly. Research for a reputable independent repair shop and they will almost always do the job for cheaper. Know what work needs to be done and call around for quotes. Speak to family and friends to get recommendations from them.

When you are repairing your car, it’s very easy to spend at least 30% more than you need to so once you have found a reputable repair shop, keep the 3 following tips in mind and your wallet will thank you later:

1. Insist that the mechanic NOT call you before doing work on your car with what other work they suggest needs to be done.
2. Never tell a mechanic to fix whatever is wrong with your car. You’re giving authority to the mechanic to run up your bill to hundreds maybe thousands of dollars.
3. Try to be as descriptive as possible or research what could be wrong with your car prior to taking it to the repair shop. Simply telling the mechanic that your car is making a funny sound is telling them to run as many tests to determine what the issue is costing you hundreds of dollars just to locate the problem.
4. Get a rough estimate from mechanic (preferably in writing) before repairs begin. If possible try to figure out what could be wrong with your car and ask around for estimates before taking your car into a repair shop. This way you can know for sure that you’re getting the better deal.

With the financial hardships we are facing nowadays, planning ahead has become a necessity. Planning ahead puts you in the driver’s seat and keeps you in control. Prevention is the best way to avoid rip offs and saving you money. It’s your money and your vehicle!

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Monday, July 15, 2013

Saving on car insurance

We all know that it’s illegal to drive a car or any motorized vehicle without valid car insurance. Car Insurance is extremely important for many reasons but paying more money for insurance over another insurer doesn't mean you’re getting better service. The rule “you get what you pay for” DOES NOT apply here. You want to make sure you’re getting the coverage you need at the best rate possible. Some Insurers charge twice as much as others for the very exact coverage but there are some factors for you to consider that will impact your premiums and allow you to save on car insurance.

Here are just a few factors to consider:

· Insurers don’t advertise prices so don’t assume that you’re getting the better rate. You must research for the lower cost. Each insurer prices differently for different customers.
· If you’re thinking about purchasing a car, contact insurers to inquire which cars are cheaper to insure then use this information in your search. Considering a car which is cheaper to insure can save you money in the long run.
· Choosing the right driving school for when your child is ready to drive will not only ensure they get the proper training which will ease your mind when they’re behind the wheel but you’ll also save on your car premiums.
· If you have more than one vehicle it may be wise you insure them both with the same insurance provider. This stands true for any additional insurance you may have such as homeowners insurance or condo insurance.
· Consider changing your deductible. If you’re able to afford having a higher deductible should something happen to your car then it may be wise to change your deductible from $500 to $1000 for example. This will lower your insurance premium.
· If you have an older car with high kilometres and in bad shape then you may want to discuss with your insurer cancelling collision insurance to save money. If you’re car is worth less or equal to your deductible you may be able to save that money and put it towards a newer car.
· Traffic tickets have a big impact on your premiums and can end up costing you more than double what you’re currently paying so drive carefully.
· Notify your insurance company if you’ve moved to a safer neighbourhood or are now working from home. Both these factors may save you on your car insurance.

The above may take extra time but it’s the best way to ensure that you are receiving the best car insurance rate possible. For more valuable information, please visit