Insurance is one of those industries jam packed with language and definitions that may appear to change rather between one insurer and the following.

Typically , the most effective way to discover what these terms truly mean is to use an Insurance Compendium or Insurance Thesaurus .

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In this article you can find out about different factors which will impact your automobile insurance costs. The different indicators that insurance corporations look at is much larger than this list, however this is a good starting point if you’re new to the topic.

Birthday age is a vital factor that affects automobile insurance costs. Young drivers sometimes pay higher insurance premiums, since they’re viewed as more dicey drivers. Stats collected up over time affirm that young drivers are much more likely to get into a crash collision than older drivers.

Men vs female drivers - if both a female and a male of the same age submit an application for auto insurance with the same company, driving the same automobile, with the same driving history, and the same credit score - female will pay less than the male.

License suspension - be prepared for an increase in car insurance payments once insurer is informed about license suspension. License suspension reveals that you broke the law, which immediately may put you into higher risk driving class.

Driving Violations - traffic offenses, speeding and other offences are an indicator of the driving behavior, this the insurance may go up.

Automobile alarm - it is clear that an automobile with an alarm is harder to steal than the one without.

Parking location a vehicle parked outside is a straightforward target for burglars.

This article is a general outline of the factors insurance firms look at before giving an insurance rate. One factor alone may not affect the rate much; however mixed together they can change insurance rates greatly!

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One of the best techniques to come out from the vicious credit card debt cycle is credit card debt consolidation. When people get into the credit card debt trap, they are left with credit cards with exorbitant interest rates, penalties and late fees. They find it is nearly impossible to pay off those cards. If you keep on making just the minimum monthly payment, you can’t become debt free in your lifetime. Now what should you do? You must seriously think about credit card debt consolidation.

Some Useful Steps for Credit Card Debt Consolidation

• Shop around for the most affordable rate for a credit card balance transfer. Some credit card companies offer a 0% introductory interest rate for a particular time frame (6-12 months). Just ensure that you’re getting the best rate. Credit card companies jockey for getting your business so you should bargain for a cheaper rate.

• Go through the fine print carefully and ensure that you understand everything about the fees and charges following the first transfer. Make sure you pay down the balances before the expiry of the introductory period or else the rate would go up. If you have excellent credit, you might obtain a quite reasonable rate for balance transfer.

• You must compare balance transfer fees. Some credit card companies would charge you a set rate for balance transfer to consolidate your credit card debts, some would ask for a balance transfer fee in relation to the amount that you’re transferring and some would not ask for any fee for the initial transfer at all.

• Cancel all your earlier credit cards. You would most likely get other deals on lines of credit. Don’t go for any new credit cards at this moment. Numerous open lines of credit would adversely impact on your credit rating.

• Don’t make delayed payments. Following your consolidation, you have to ensure that you would make the payments on time. If you miss a payment, you would lose the opportunity of an affordable rate and might land up in a similar situation that you faced before.

• You finally gained the composure that you were looking for. You now realize you don’t have to get even with the payments for your credit card balances. You must keep in mind that you should always try to live within your means, slash needless spending, shop around for the best possible deal and go through the fine print.

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But for all the shenanigans that accompany the summer sojourn to cottage country, it pays to remember to be safe. Here are some simple safety tips for cottage season. American truck drivers can search for the best driver recruiting employment opportunities available based on location, experience, and freight handling experience.

The Journey

Journeys to cottage country are often undertaken late at night after a long days work. Factor in tiredness to unfamiliarity with rural roads and the risk of an accident increases. Ensure your auto insurance sufficiently covers against all possible mishaps, take plenty of breaks while driving, and if at all possible endeavor to drive in daylight hours!

Furthermore, if you, like many other Canadian cottagers use any recreational vehicles or trailers, be it en route to, or at the cottage, bear in mind these must also be insured! Known by many different names such as: RV, travel trailer, fifth wheel, camper, camper trailer, campervan, Caravan, towable trailer (or tow-able tent trailer), recreational trailer, mobile home or motor home, RV insurance is a must to cover any unforeseen mishaps that may arise!

The Cottage

Cottages come in many different shapes and sizes, from de facto cabins to palatial country homes! However there are a few safety tips that hold true regardless of the size or shape of your place by the lake!

All cottages should have a smoke detector, as well as a carbon monoxide detector installed and working all year round. Along with property insurance, these are probably the most important elements of your cottage safety plan! All dwellings should have fully replenished functioning fire extinguishers on every floor, along with a separate implement for the kitchen.

When opening the cottage, especially if it has not been used in the winter, it is also vital you check for signs of damage, such as snow/ice damage, corroded wires/pipes, and of course any signs of the presence of unwanted furry friends! Only when you are sure your cottage is fully operational and safe, should you attempt to settle in!

Outside the Cottage

This is where the real fun happens in cottage country! The reason why we escape the city is encapsulated here! Clear lakes, dense woodland, mother nature at her best. Take heed of these few safety tips.

Water safety is crucial. Proper monitoring of any persons vulnerable to water is vital, as well as the proper equipment for any water based activities. That means life jackets, first aid kits, exposure blankets etc, the list goes on. Never take a chance with water safety.

On dry land the risks may not be as apparent, but are still very real. Barbecuing and open fires are two common activities, that while they are fun, must be treated with respect and due diligence. Barbecues should be protected from wind gusts, as well as any flammable materials in the vicinity. Furthermore, the barbecue operator should ensure a distance is kept between the Barbecue and all non users, as well as be experienced and responsible. The barbecue itself should be placed on top of something that is not flammable, so no barbecues on the second floor patio folks.

These are some basic tips that are by no means exhaustive. While it is important to let one’s hair down on vacation, it should never be at this risk of safety.

The same can be said of insurance. Ensure that before you leave home, your cottage, car, and RV or recreational vehicle are all adequately insured. If you have visitors arriving from overseas, point them in the direction of visitors to Canada insurance to ensure they can enjoy their vacation in Canada with peace of mind!

Taking the necessary steps and precautions will lead to you having a stress free time in cottage country, enjoy!

If you’re interested in coverage, check out the life insurance quote on this website.

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However, for the pragmatists amongst us, issues such as practicality and car insurance premiums invariably come into any purchasing decision. Do convertibles or soft tops cost more to insure? The perception is that they do, let’s see if this holds true.

First off, how are insurance quotes for a particular model calculated in the first instance? All insurance quotes are based on empirical evidence of claims made for that type of vehicle, rather than the characteristics of the vehicle itself!

So the same holds for soft tops, whether or not they are claimed on more than their hardtop counterparts is what decides whether their premiums are higher or not.

Insurance comparison website Kanetix, undertook some research on this very issue, and the results they found surprised many. Using their free online car insurance comparison tool, they came to the following conclusions. For the following models a price comparison was completed.

·         Audi A4 Cabriolet
·         Pontiac G6 GT Convertible
·         Toyota Solara SLE Convertible
·         MINI Cooper Convertible
·         Ford Mustang Convertible
For each vehicle, the number of quotes provided ranged from 9 to 12 from the various insurers available through kanetix; and in each case the average quoted price was less for the convertibles than their non-convertible version.

If this wasn’t suprising enough in itself, it was actually found that buying a convertible may actually help you save in certain cases! Differences of almost 2 per cent less to up to 10 per cent less than their ‘hard-top’ counterpart were observed. An expensive myth to be sure!

As to why the soft tops cost less to insure, we again return to the issue of less claims made. Perhaps the fact they are only driven during the summer months and avoid the winter driving conditions make for less claims, in any case it is a myth and an expensive one too!

So if you always dreamed of burning down Highway 66 in a soft top, get multiple quotes from competing suppliers for car insurance via Kanetix, and see whether or not buying a convertible will necessarily hit your pockets! And even if the softop doesn’t work out, be sure to compare quotes on your current vehicle, and see if you can find the best car insurance for your personalized needs!

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By choosing the cheapest quote we take into account only the price.  While it is always desirable to save money , we must avoid robbing Peter to pay Paul!

Quite apart from the price, the current economic climate has introduced new concerns for consumers looking to purchase insurance policies. A few high profile bailouts of prominent institutions now mean the man in the street is worrying about the financial integrity of his or her insurance provider.

Research!

A good starting point is cyberspace, which will help you to ascertain the financially soundest companies via one of the many informational sites out there. It is good to remember that the financially strongest companies may also be the most competitive when compared-more on that later.

Once you have reassured yourself that your would-be insurance providers won’t be disappearing into a hole in the ground tomorrow, you can start the next phase of your research.

Gauge the Zeitgeist

When we purchase insurance we all hope that the next time we need to interact with our provider is upon renewal. But accidents will happen; so it is important that you take this into account when researching.
A quick telephone call to your jurisdictions insurance regulators office will allow you to uncover any major complaints made against a particular company, and certainly separate the customer service wheat from the chaff.
Consumers now have access to information such as rankings on overall customer satisfaction, claims payment history, pricing, and communications via the internet. Use these resources to see who offers the best customer experience. There are a myriad of consumer sites in cyberspace where consumers share their customer service experiences and these will help you get a feel for who is popular amongst your auto insurance purchasing peers.

Online Auto Insurance Quotes!

All that is left at this point is to seek out the cheapest auto insurance quote. Kanetix.ca is a free online price comparison service that has been helping Canadians search for their cheapest auto insurance provider since 1999. The good news is that Kanetix also offers the same sister for our US brethren!

For our American Friends…...
Kanetix.com offers the same service to US based customers via their free user friendly service. Not only is the service free, but it allows you to get multiple personalized quotes from competing insurers by only entering your information once. So you can search for not only the cheapest auto insurance policy, but one that corresponds to your individual needs.

Online Price Comparison is Key!
In closing, it’s clear that the cheapest auto insurance quote may not always be the best option, as it only takes pricing into account. Your personal profile and expectations are what will determine what the best quote for you is, therefore robust research and a personalized price comparison are the tools you need to choose the best policy for your needs at the cheapest price.

Drive Carefully

The second most effective way of lowering your premium. Careful drivers have less accidents, therefore less insurance claims, therefore they are seen as less of a risk by insurers, therefore they pay less!

Drive a low risk Vehicle!

Ever wonder why a Ferrari costs more to ensure than a 1 litre hatchback? Well, in general, the claim history of Ferrari’s are higher than 1 litre hatchbacks, they get stolen more, driven at higher speeds and are in more accidents! Keep this in mind when buying your car!

Anti Theft Devices

Any device that lowers the probability of a claim being made on your insurance policy will also lower your premium. Thus, devices that decrease the chance of a vehicle being stolen and subsequently claimed on (as in the case of an Anti-Theft device)  are likely to lower your premium!

Line Discounts

Scratch  insurer’s backs and they will scratch yours. The more business you send their way, such as including your home/life insurance with your auto insurance, the bigger a discount they will offer you!

Lower your deductibles

Deductibles are inversely proportional to insurance premiums. In plain english, the higher your deductibles the lower your premium and vice-versa. So if you can afford to pay for a $1000 dollar repair job if needs be, raise your deductible to that level and save on your premium!

Shop Around

The best way to save money. By shopping around you make insurance companies compete for your business. It need not be time consuming, simply compare prices from rival insurers with a free online comparison. Rates can vary wildly,  see who will offer you the cheapest quote! Click on http://www.kanetix.ca/auto-insurance and see what you can save!

There are of course other things you can do to obtain low cost car insurance. Here are a few suggestions beyond the usual “lower your deductible” ideas that you may wish to explore:

Lower Car Insurance Costs by Going Hybrid
Consider a hybrid fuel-efficient car for your next automobile. It could definitely help you get low cost auto insurance as well as having a number of obvious and not so obvious benefits. The Government of Canada has issued an ecoACTION program initiative and various provinces/territories have introduced programs that work towards getting consumers to reduce emissions of pollutants. One way the BC, Manitoba, Ontario, Quebec, and PEI governments are encouraging environmental responsibility, is by offering incentives through a tax rebate or credit of up to $2000 for your purchase of a fuel-efficient vehicle.

Lower cost car insurance for drivers of hybrids seems to be a trend that is underway with some auto insurance companies like Aviva.

While insurance companies only have a few years experience under their belts with hybrid vehicles, it seems likely that more and more of them will offer discounts to clients with hybrid vehicles in the future. Both government and corporate sectors are rapidly moving towards incentives for energy efficient vehicles. This could mean that in the very near future, especially with increasingly global incentives to participate in “going green,” Canadian hybrid drivers will get more and bigger financial breaks by switching to hybrids. No doubt many auto insurance companies will want to identify with this trend, and will increasingly offer low cost car insurance to those that own fuel efficient vehicles.

Low Cost Auto Insurance and How You Can Get it by Driving Less
As a Canadian auto driver, there may be a way for you to do your part in helping with air quality, climate change, and global warming overall, as well as serve your wallet with lower cost car insurance. You could take more public transit, do more carpooling, biking or walking whenever appropriate, A reduction in the use of your vehicle can usually lower your car insurance bill, because you are generally perceived to be a lower risk by the auto insurance companies than if you did more driving. The great thing about driving less is that it typically results in lower cost car insurance, as well as a more active and healthier lifestyle.

Low Cost Auto Insurance by insurance comparison shopping – seriously, give it a try
As mentioned earlier, the very best bet for low cost auto insurance for the average consumer is to compare prices and policies from a wide variety of insurance providers. Most people obtain their first auto insurance policy through a referral from a friend, family member or through their financial institution, and then simply renew year after year. They never shop around because of the perceived difficulty of comparing quotes and policies, and they are unaware of how widely car insurance prices can vary from one company to another.

Comparing quotes is perceived as a low value activity without much benefit and requiring a large amount of time. At kanetix, the process is fast and incredibly easy to do. If you haven’t yet tried their free service, we strongly urge you to do so. Find out if you already have low cost car insurance, or if you could do a whole lot better.

If you have 5 minutes to spare, click here to get started: www.kanetix.ca/auto-insurance

In 2006, according to the Insurance Bureau of Canada (http://ibc.ca/), while there was over $540 million dollars in costs for auto theft, that’s actually only about $48 per car insurance premium. So the difference between having the most stolen vehicle versus the least stolen may not be as extravagant or as large of a difference than you may think, even as little as an extra $100 a year.

Gone In 60 Seconds? The Most Stolen and the Least Stolen Vehicles in 2005.

These were the top 5 most stolen vehicles in 2005, according to the IBC.
2000 Honda Civic SiR 2-door
1999 Honda Civic SiR 2-door
2004 Subaru Impreza WRX/WRX STi 4-door AWD
1999 Acura Integra 2-door
1994 Honda Civic Si 2-door Hatchback

And the 5 least stolen vehicles in 2005, according to the IBC, all of which are tied.
(tie) 2001 Ford Taurus Wagon
(tie) 2000 Saab 9-5 4-door
(tie) 2002 Volvo S60 4-door AWD
(tie) 2002 Pontiac Bonneville 4-door
(tie) 1998 Lincoln Continental 4-door

What Does This Mean For You and Your Auto Insurance?

Without going into a lot of insurance mumbo-jumbo, here are the basics that you need to know. In your auto insurance policy, there are different parts that cover different things. Your collision coverage covers any collision incidents. Your comprehensive coverage is the part of your auto insurance policy that covers any fire, flood, vandalism, and theft.

We went to kanetix.ca, and compared the cost of comprehensive coverage of the #1 Most Stolen Car in 2005 (2000 Honda Civic SiR 2-door) and the #1 Least Stolen Car in 2005 (2001 Ford Taurus Wagon). We used the profile of a 30 year old male driver with a clean driving record living in Mississauga, ON.

It’s true! There is just a little over $100’s difference in the cost for theft/comprehensive coverage between the most stolen car and the least stolen car. For some, this difference may cause you to re-consider buying that Civic or Integra that you always wanted to buy, but thought was out of your reach because the insurance would be too high. For others, this difference may cause you to keep driving the same low-risk of theft car that you’ve always had, like the Ford Taurus or Pontiac Bonneville.

Save In 60 Seconds!

Whether you’re putting on your jacket to go take a look at the Civic, or breathing a sigh of relief, knowing that you’re saving a tangible $100 a month with your low-risk car – we took our study a step further – so that you could save even more money.

Looking again at the same two cars, the most and the least stolen in 2005, with the same profile, we made quotes from many of the top insurance companies in Canada. We wanted to see the difference between the lowest quote and the highest quote for the same car, offered by different insurance companies. Here were the results:

As you can see, the lowest quote for the Civic was $1,355, while the highest quote was $2,677. That’s over $1,322 in difference! For the Taurus, there was a similar difference: the lowest quote was $959 and the highest was $2,172, which is $1,213 in difference.

As you can see, while there is only $100 difference between theft insurance for the most stolen and the least stolen car, for the same car, there can be over $1000 in difference. If you’re looking to save money, you absolutely must compare your auto insurance quotes because as you’ve seen, that’s where you can really save.

Don’t get stuck paying ridiculously high auto insurance premiums that are thousands of dollars more than necessary. It’s important to compare quotes and coverage policies from a number of insurance providers. One place you can do this is at www.kanetix.ca/auto-insurance. You can “save in 60 seconds!” You’ll fill out some quick driving history and car information, and in just a few clicks, you’ll get free customized car insurance quotes from many of the top insurance companies in Canada. You’ll be able to compare the quotes, prices, premiums, and the types of coverage.

Give it a try now, visit http://www.kanetix.ca/auto-insurance and make a quote! You may be surprised at how much money you could save!

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How many times have you had to swerve or stop abruptly when you have been driving – and then realized it was because the other driver was on their cell phone? How often do you talk on your cell phone when you’re driving? Even worse, what about text messaging? Or emailing on your Blackberry with one and while driving with the other? I’m sure each of us has been in one of the above situations. It shouldn’t matter whether it’s just a quick call, or a quick text, maybe to find out where you need to go, or get directions. The reality of it is, though, that it is difficult to consider the consequences of such choices – to make a quick call, etc. – because in our society today, we are used to convenience and fulfilling instant demands or needs. Think twice about your safety, the safety of your family, of other drivers around you, pedestrians, and bikers. Some may be strangers, but you need to consider whether it’s really worth making that call. Unless it’s an emergency, it can probably wait another few minutes.

Cell Phone Use Can Cause You To Be 4 Times More Likely To Be Involved In An Accident

Moreover, at an International Conference on Distracted Driving in October 2005, it was reported that amongst many distractions available to the average driver today, cell phone use while driving can cause you to be about four times more likely to be involved in an accident. Hopefully, if you get into an accident, injuries and damage to yourself and others are minimal, but the reality of the situation is that they can be very serious. What can further exacerbate and worsen the situation, is that your driving history will be tarnished and your car insurance rate, in the light of a serious at-fault accident, will most certainly increase.

Accidents and Your Auto Insurance Rate

To show you the numbers, we used the kanetix quotemaker, and compared a 2004 Honda Civic driver in Toronto with a clean driving history before an at-fault accident; and with a now, not-so-clean driving history after an at-fault accident. We looked at the differences between two companies (Company A and B) before and after an at-fault accident.

   
Surprised? Shocked? Scared, even?

Before the accident, it would have made sense to go with Company A since it offers a cheaper rate. But after an accident, Company B’s rate is much more appealing. Unfortunately, once you’ve signed on with a company, it’s a bit more complicated than just switching over to Company B. Every insurance company calculates their rates and prices in a different way because they weigh risks in different ways. Company A may work for you if you have a clean driving record, but Company B may work better for you if you are likely to get into an accident.

What’s The Answer to Keeping Insurance Rates Low When You Have Been In An Accident?

The answer to keeping your insurance rates as low as possible is to compare. When you look for auto insurance, compare quotes as well as coverage policies from different companies. This is by far the best way to make sure that you get what you need at the best price. If you know you’re likely to get into an accident, you will want to make sure that you have extra collision coverage. If you know that your car is likely to be stolen, it’s a good idea to get extra comprehensive (comprehensive covers fire, flood, vandalism, and theft) coverage in your policy.

By far the best place that you can compare quotes and coverage, is at http://www.kanetix.ca/auto-insurance. You can get free, personalized quotes, from many of the top insurance companies in Canada. Compare the quotes and the coverage, and make sure that you have the best auto insurance that suits you.