Thursday, January 31, 2013

Saving on Car Insurance and Getting the Lowest Rate

Everyone wants to save money, and a great deal is always a welcome sight for anyone. There are plenty of areas of your life where you can cut costs and save yourself some cash, but one you may be overlooking is your auto insurance. Since all car loans will require you to carry car insurance of some form, there's no real way to completely dodge the bill. Saving on car insurance is a great way to put some extra money in your bank account. It's also easier than most people realize. While some ways to cut your car insurance bill may not be feasible for you, others could very well lower your rates drastically.

The most important rule for saving on car insurance is simply to shop around.
  • A number of people are probably paying too much for car insurance but don't bother changing it because they don't feel like dealing with the hassle.
  • But when you consider that some studies estimate that rates can vary by up to five hundred dollars for six months' worth of coverage, taking the time to get a few quotes suddenly seems like a worthy endeavor.
  • Get at least three quotes, but get even more if you can. It's the best way to know if you're paying too much.
You should also take the time to inquire about discounts on car insurance.
  • Some companies may tell you about them immediately, while others may hold back on explaining them. You can get discounts for combining insurance, for taking defensive driving courses, and even for being a loyal customer.
  • You can also get a lower rate by dropping coverage. In some cases, the bare minimum coverage required by law can be hundreds of dollars cheaper, although it will leave you at a higher financial risk during an accident.

Even your credit score can have an effect on your car insurance price. Poor credit could cause you to pay up to thirty to forty percent more for car insurance than someone with good credit, another reason rebuilding bad credit is important. Finally, consider raising your deductible. Like lower coverage, it will leave you at a higher financial risk but can lower your monthly payments tremendously. Saving money on car insurance can help you put groceries on the table and put extra cash in the bank. These tips will make it easier for you to lower your insurance payments while still keeping you covered. For more valuable information, visit

Wednesday, January 9, 2013


We've already got our first real snow fall. So it’s time to gear up the way we drive to keep Toronto’s road safe.
Winter driving is difficult. You may think everything is all set after winter tires installation.
But in reality there is much more--check out our top picks to keep winter driving hassle free.

Get winter tires- All four of them!
Installing winter tires may look like additional costs after holiday expenses, but having only two winter tires may cost even more ---maybe someone’s life.

According to Transport Canada one must install all four winter ties to avoid over-steer and under-steer skid. 

Over steer skid may happen when a slip is occurred having only two winter tires at front. Because of the front two winter tires grip will only exist at the front, causing a rear spin and skid at the back. 

Opposite is expected for under-steer skid when two winter tires at the back will have grip that’ll cause a spin and skid in front with regular tires while facing a slip on the road.

Slow Down
It is expected to drive smart during winter—that means when traction is reduced, speeds need to be reduced. 
Such as-- when driving on packed snow, a good rule of thumb is to reduce that speed level to about a fourth of the usual speed for that area. 

This is because a speed limit of 80/km of on a road will mean that’s the maximum speed one can go given under the perfect weather and pitch condition. 

Clear the snow off the vehicle
Visibility is crucial for a safe drive. Section 74 of the Highway Traffic Act states that “No person shall drive a motor vehicle upon a highway (a) unless the windshield and the windows on either side of the compartment containing the steering wheel are in such a condition as to afford the driver a clear view to the front and side of the motor vehicle and (b) unless the rear window is in such a condition as to afford the driver a clear view to the rear of the motor vehicle.”

Check the weather
You definitely don’t want to face a snow storm on Highway 401! Check out weather conditions before you plan to drive. You can tune into any weather channel on TV or radio station to find out about road conditions. 
Plus, if you have a smart phone or tablet try to install a weather app to keep you up to date with weather conditions at all time.

Prepare yourself before driving
Finally, prepare before you drive. Turn off cruise control if not necessary, drive smoothly. 

Stay focused on the road not the car driving in front of you. Avoid wearing heavy boots and winter coats when you drive. There is heater on every car to keep you warm while you drive. 

Be comfortable; keep a pair of comfy shoes and lite jacket inside the car for driving purpose only. 

Plus, never forget to keep winter emergency driving kit including- windshield wiper fluid, an ice scraper, fuel line antifreeze, flashlight, shovel and so on.   

For more information visit