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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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Recent Blog Posts

How to Get the Best Car Insurance Rates as a Young Driver

Young driver car insurance Ontario

As a young driver you are definitely looking for cheap car insurance – as cheap as possible, right? Especially if you’re the one footing the bill. Even if your parents are helping you out, you certainly want to do what you can to keep those rates reasonable. You don’t want to cause your parents any undue grief, or heaven forbid, have them revoke their assistance because your rates have sky-rocketed.

You’re considered high risk based on your age

Right off the bat teenagers and young drivers that recently got their licenses are considered a higher risk than drivers with years of experience under their belt. That’s a given and there is nothing you can do about that. Young people get in more accidents – period – due to their inexperience or questionable driving and insurance companies need to take this into account when setting rates. In Ontario, any driver under 25 years old is put in the young driver category with its correspondingly more expensive rates. And the younger you are, the higher you can expect to pay. (You can learn more about high risk drivers in this post).

What you can start now, however, is building up your clean driving record. As the years of good driving pile up, your rates will go down. So it is crucial that you do everything you can to support good driving habits. You’re less experienced than your older counterparts, so err on the side of caution. Impressing your friends with your speedy or aggressive driving will get you nowhere and will certainly move you away from cheap car insurance and into a high risk driver category. This includes following all driving laws carefully. You want to avoid getting a ticket not just because it sucks having to pay it but precisely because it ends up on your record and ends up affecting your insurance rates.

It’s not just yourself that you need to think about on the road. Other drivers can force you into unfortunate situations with their bad driving habits. Better to drive defensively and take your time. Never assume that you know what another driver is going to do.

Think about your car

Many of us remember how we started our driving careers with a sweet old beater. While you might not be in a position to be choosy about the car you are driving, if you do have some choice in the matter, the type of car you drive and its safety features can affect the rates you get. Do some research. You might be tempted to scrimp and save every penny to get that fancy sports car only to be floored by the insurance rates that go along with it.

Other ways to get cheaper insurance

If you’re just getting started with driving, you get a discount at every stage of Ontario’s graduated licensing system, so move through it as quickly as possible. Taking a driver training course can help too to reduce the risk insurers might see in you. If you’ve already done so, make sure that you have brought this up with your broker or agent.

And if you’re a student, say so and don’t be shy to ask about any special discounts that may be available to you. Some insurers may offer a special rate.

So remember, keeping a clean driving record and doing your comparison shopping can help you find cheap car insurance as a young driver.


Image source: / David Castillo Dominici


How Cyber Secure Is Your Business?

Small business security insurance

It seems that we are constantly hearing about massive privacy breaches in corporations where large numbers of customers have their private information compromised. Hackers are getting better and better, and their exploits more widespread.

If you run a small business, you might think to yourself, “phew, glad that I don’t have to worry about that problem.” You might think that because of your size, you are not a target.

But in reality, that is not the case. Any business that collects personal information is sitting on value that can be exploited. And generally, since small-mid sized businesses don’t have the massive security infrastructure in place that their larger counter parts do, they face greater risk.

The Globe and Mail reported that in a research study they did, more than half of small to mid-sized businesses have experienced a data breach and nearly 3/4 could not restore their data.

So the next logical step as a business owner is to think of the steps you can take to secure your organization. Here are some resources that can help you out:

How about business insurance?

Well, as with everything insurance, you do want to what you can to avoid making a claim. So taking the steps to ensure that your business is safe and secure is an important part of maintaining lower business insurance rates. Having the proper insurance coverage in place can help you deal with the aftermath of a cyber attack.

So if your business collects and handles important sensitive information, you must ask yourself whether cyber security is part of your insurance plan. Did you discuss this with your broker? Do you have the coverage you need to align with how your business operates? If you’re not sure, get on the phone with your current provider and do some research into the options you have.

If you’d like to talk through commercial insurance options for your organization, we’d love to hear from you! Contact us today . Just looking for a quote? We’re here for that too! Zip over to our business insurance page, fill in your details and we’ll get back to you.


Image source: / sscreations


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