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Best Car Insurance Rates in Ontario

Insurance Buddy™ is an online insurance quote system committed to providing complete quote accuracy, operated by INSUREIT GROUP INC. Our goal is to provide the best car insurance rates while maintaining the highest standard of service. It is our mission to drive down your auto and other insurance rates by providing an online rating system based on your driving profile. This site was created to help you find the cheapest insurance rates in Ontario for car and home.

  • Paying too much? High risk drivers – give us a call! We just may have a low cost solution.
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Business Crime Prevention Tips

Business crime prevention cctv

When you’re running a business, there are plenty of things to keep you busy and occupy your mind. From taxes to payroll, pricing to staffing and everything in between, a business never sleeps.

While we don’t want to add more to your plate, it is essential that you also take the steps to safeguard your business from burglary, theft and other crimes. This not only protects your business, but also your commercial insurance rates.

Here are some of our top general tips for preventing crime at your commercial operations…

  • Be sure that all your exterior doors have deadbolt locks and that they all have a minimum of a one inch bolt into the strike plate.
  • Secure any exposed exterior door hinge pins to prevent their removal.
  • Protect all main floor glass. You can use bars, metal screens or burglary resistant glazing materials to ensure that a broken window is not a point of entry for a thief.
  • Install a burglar alarm system and one that is monitored offsite. We also recommend that the system be certified by Underwriters Laboratories of Canada (ULC).
  • If you’re using a video monitoring system, check it regularly to ensure it’s functioning properly.
  • Ensure that your commercial space is well-lit (inside and out) to prevent any detrimental activities being undertaken in the shadows.
  • Continually check for unsafe work conditions and practices that could put your business at a security risk, and take prompt corrective action. Get input from all your departments and teams.

These are just a few basic tips for keeping your biz safe. Get more suggestions from the Toronto Police Department on robbery prevention for businesses (including what to do during and after a robbery) here.

And click here for more helpful business insurance tips.

Have further questions about how robbery and crime can affect your business insurance rates? Want to learn more about the commercial policies we have? Get in touch with us today!

 

Image source: suphakit73 | FreeDigitalPhotos.net

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7 Things You Need to Know as a High Risk Driver in Ontario

High risk auto insurance Ontario

Whether due to too many traffic violations, tickets or accidents, certain drivers are deemed “high risk”.

We’ve talked about high risk drivers and high risk auto insurance in a previous post where you can get all the details about what a high risk driver is and the implications on your car insurance. Click here to check it out.

As a follow-up, we’ve put together a list of important things that every high risk driver should know, including some Ontario specific details since that’s where we sell insurance here at Insurance Buddy…

1. In Ontario any infractions or tickets stay on your driving record for three years. When it comes to car accidents that were your fault, they will stay on your record for six years. This is the timeframe you can expect for your high risk designation and how long this will affect your insurance rates. Remember, once you know that a ticket (or several) are no longer on your record, you should get new auto insurance quotes to make sure you’re enjoying maximum savings.

2. Being deemed “high risk” is not only about driving poorly. You can be put in this category for missing payment on your premiums and having your insurance policty cancelled for this reason. This, in the eyes of an insurance company, is behavior that will put you in the “risky” bucket.

3. While all insurers are a little different, generally you will be considered high risk if you’ve had two accidents that were your fault in the last 10 years or if in the last few years you’ve had several tickets (say 2-3) issued to you.

4. Generally, high risk drivers pay around 25% more for auto insurance. But this could be much, much more depending on the severity of the infractions linked to you.

5. Some insurance companies may refuse to cover a high risk driver. So you might need to do some research to find a provider that can cover you or a broker that specializes in high risk auto insurance policies. Be sure to do your homework and get plenty of quotes.

6. But with that said, the insurance industry as a whole cannot refuse an individual coverage. If you fall into an extreme category where no regular insurance provider is willing to issue you car insurance, you can still get coverage from The Facility Association – a last resort type of insurance pool. Get more information over on their website: http://www.facilityassociation.com/

7. Even as a high risk driver, while you might not necessarily be able to access cheap auto insurance (at least not in comparison to a squeaky clean driver) there are steps you can take to lower your insurance rates, such as using Telematics or driving a car with safety features. Check out this post specifically about high risk drivers or this one that talks about ways to save on insurance generally.

Have you been categorized a high risk driver? Want to learn more about high risk auto insurance options for Ontario? Just need cheaper insurance already? Get in touch with us today.

 

Image source: fantasista | FreeDigitalPhotos.net

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