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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.

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New for Car Insurance in Ontario – Changes to Benefit Coverage

Car Insurance Ontario Changes

Going into effect on June 1, 2016, there will be changes to the car insurance system in our province. The Ontario government is making these adjustments with the goal of making auto insurance premiums more affordable. For one example, interest rates on monthly payment plans have been reduced.

What is this about?

What the changes mean is that you have more choice in terms of the type of coverage you want and how much you pay for your car insurance. Many of these shifts revolve around accident benefits, including medical and rehabilitation benefits for both catastrophic and non-catastrophic injuries, as well as benefits for attendant care.

When is this happening and what do I need to do?

These changes will apply to car insurance policies that are issued or renewed on or after June 1, 2016. If you don’t do anything your insurance will shift to the new lower standard benefits. However, we recommend to carefully review the changes and talk to your insurance broker or agent to get a better understanding of what the changes mean and what adjustments, such as increasing specific benefits, would make most sense for your situation. You have the ability to customize your policy to meet your needs. There are lots of options, such as 3rd party liability, income replacement benefits and caregiver benefits. Your insurance provider can consult with you on these options.

Further resources

You should receive a document that outlines the changes with your renewal information. You can also access it by clicking here.

This information and further details can also be found on the Financial Services Commission of Ontario website here.

Have some questions about these changes? Want to discuss the specifics of your car insurance policy? Get in touch with us. We’ll be happy to help!

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Tips to Protect Your Home from Thieves

We came across the infographic below from the York Regional Police here in Ontario and we thought it was a good reminder to all of us home owners (or tenants for that matter currently renting a house). We certainly want to do what we can to ensure that our home is not a magnet for thieves.

It is traumatizing to be robbed. Your home can be trashed. You may lose valuable possessions or cash. You may find irreplaceable items with great sentimental value gone. To top it all off, you have to make a home insurance claim, carefully accounting for all that was lost, assigning values, providing other specific details –stress that you don’t want to deal with if at all possible. And of course we have to mention, as soon as a claim is made, there are repercussions for your home insurance rates. An all around headache.

So take the steps to protect yourself, as suggested by the YRP and be sure to visit yrp.ca/tips to learn more about how you can ensure the security and safety of your home. Their tips in a nutshell:

  • Keep your windows locked. Check to make sure all your windows are shut before leaving. Your doors too of course including your garage!
  • Keep your garden tidy. If you have large shrubbery that hides views to doors and windows, this can make it easier for a thief to find their way into your home without any of your neighbours noticing.
  • Think about getting a home security system (including an alarm and perhaps even cameras).
  • Lighting systems can act as a deterrent. Think motion sensor lights and lights that go on and off with a timer.
  • If you’re going away for an extended period, ensure that someone is caring for your home in the meantime (e.g. picking up your mail or shoveling your walk – a pile of newspapers or snow piled up on the doorstop scream that no one is at home) and checking in from time to time. And don’t post your vacay plans to social media!Protect home from thieves

Leverage these tips for greater security whether you’re just heading out to run errands or are leaving on a vacation – getting robbed sucks.

Of course, it is for this very reason that you have a home insurance policy – to protect yourself against the unforeseeable and the unexpected. But you can still do everything possible to ensure that your home is not enticing thieves.

Want to talk to us about home insurance plans and options? Contact us or get your quote online.

 

 

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