Canadian Auto Insurance

It is true that many people take the day off to celebrate the New Year. However, according to a recent report from the National Insurance Crime Bureau, automotive thieves will still be hard at work during the holiday season. In fact, they are saying that more cars were stolen on New Year’s Day last year than any other holiday.

They go on to estimate that around 2,700 car thefts occurred. This means that as drivers we have to take some care to protect our cars. First, do not leave items of value inside your car. When we leave valuable things in the car it just adds to the reasons thieves want to steal it.

I am not sure that just taking the valuables out of the car will insure that the car does not get stolen. However, why give car thieves a reason to justify stealing a car. The next thing is to keep your car locked. Do you know that many cars that have been stolen have been left unlocked? Leaving a car unlocked is like telling a car thief: “Here is my car, please take it.” Once again, we are just making it super easy for the car thief to do his job.

Halloween was another time of the year when car thefts were reported high. Perhaps it is because people are starting to get their mind ready for the winter season or maybe people just are not thinking that a car theft could happen to them. As drivers we need to take more precautions to make sure when we come out to go to work, we have a car to take us there and back.

The Article URL is: http://homeinsurance.com/auto-insurance/news/new-years-isnt-a-holiday-for-car-thieves.php

Restoration of and ownership of collector cars is quite a large hobby in North America. As with any other vehicle, collector cars need at least minimum insurance, which in Canada is a mandatory minimum liability insurance of $200,000 (or $50,000 in Quebec). There are many insurance options for the collector car owner, some of which are unique to this type of vehicle. As with any other cars, collector cars can be covered by minimum liability or some form of comprehensive coverage.

Insurance options that are unique to collector cars include forms of coverage with maximum allowed mileage, maximum allowed usage days per month and requirements to stay with the car at all times while in public. These options are often best for collector car owners because comprehensive coverage is often hard to obtain for a collector car because of its value.

I think that the car insurance options available to collector car owners meet most of the common owner needs. At the same time it does not seem right that it is so difficult for owners to receive comprehensive coverage. The collector car specific coverage does not allow for a collector car to be an owner’s true primary vehicle. For the collector car owner who wishes to see his or her vintage car out on the open highways of North America there does not seem to be a viable insurance option. There should be an affordable comprehensive insurance option for collector car owners who want to actually drive their cars.

The article I am discussing is available on: http://www.prnewswire.com/news-releases/automobile-insurance-for-collector-cars-how-to-choose-the-right-policy-112710034.html

Very recently I heard about a ruling by a court that mandated states to buy car insurance in order to purchase a license plate. My reaction was shock! I was shocked at the fact that somebody would pass a ruling like this! In my opinion this ruling is ridiculous and it puts tyranny governments more in control. I’ve heard from certain sources that some Canadian states are considering similar rulings. As Canadian citizens we cannot allow for this to happen. It is simply giving power to state and car insurance companies. I believe people shouldn’t have to buy for car insurance to get license plates.

Why should people follow this ruling? What if people don’t want to follow it, i guess the state government is screwed. People will realize that a ruling like this one is a mere plot to make them more money and rip off hard working people. If a ruling like this one were to continue and expand, the Supreme Court will have massive work loads of people suing the states. It is common sense that a state mandated car insurance doesn’t belong in the rule books.

On an interesting note is how this car insurance ruling relates to religion. This recent article was posted on this website: http://www.frostillustrated.com/full.php?sid=8161&current_edition=2010-12-29

Law makers who support the car insurance ruling back it up with religion. But if you take a closer look at what religion says, these conservative law makers fool nobody. Common, everyone knows that religion says that people should always do the right thing and help the poor. In my opinion they are trying to screw over the poor. The car insurance ruling will require for people to pay more money and taxes. It’s clear that big government and decisions like these don’t mix!

Car owners experienced competitive and lower rates of car insurance in Quebec last year, but while those lower rates are expected to remain, they might not get any lower. Like every other product, car insurance rates dip and rise in response to market trends and new competitors. However, even though rates dropped for the first time in years, it does not mean we should expect similar rate drops each and every year.

When you look at the reasons behind the initial drop, it becomes clear on why we may not see the same price changes this year. When a new car insurance competitor introduced itself to the Quebec market, a price war occurred, in order to draw new clients. In addition to competition, new group rates were introduced which resulted in new discounts consumers could take advantage of.

Both of these savings were pretty exclusive, meaning once they are applied, they can not be factored in again, so you should not expect a huge drop in current rates. The rates that you have now, should remain steady though, and slightly lower rates can be acquired depending on specials and deals that each company decides to offer at any given time.

The original news aritlce was found at: http://www.montrealgazette.com/business/Quebecers+deal+auto+insurance/3951642/story.html