M&W Auto Insurance Articles

Learn all there is to know about Auto insurance in Ontario, from how it works, how you can save, and how to stay safe, avoiding claims.

Careless & Dangerous Driving in Ontario: Laws, Fines, & Penalties

June 9, 2020

Careless Driving and Dangerous Driving are both serious offences that can have a significant impact on your insurance premiums, and your life. Careless Driving is a provincial offence that can in some cases double what you pay for insurance in Ontario, can get your license suspended, and Read more

Ontario’s Graduated Licensing System – Everything You Need to Know

June 2, 2020

Since 1994, every new driver that wants to be licensed to drive in Ontario has to go through a three tier graduated licensing system that allows them to learn under controlled conditions over 2-5 years. Levels include G1, G2 and G. Read more

Buying a Used Vehicle During the COVID-19 Crisis

June 1, 2020

If you’re thinking about buying a car or truck during the current state of emergency, you may find it challenging to get that car on the road. There is currently no way to register your newly-purchased vehicle online, so if you don’t live close to a Service Ontario office that’s open, there may be no way to finalize your registration and get your new plates.

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Should You Lease or Finance Your Vehicle?

May 29, 2020

When you’re shopping for a new car, you may not have the money to pay for it all in cash. Leasing and financing are two popular ways to get the car you want, with payments you can afford. In terms of auto insurance, it makes no difference to your rates whether you lease or finance your new vehicle.

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Save Some Dough During the Pandemic With CAA MyPace™

May 22, 2020

CAA MyPace is a usage-based auto insurance program that can save you as much as 40% on your auto insurance if you drive less than 600 km a month. The less you drive, the less you pay. Sounds like just the thing for the pandemic.

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The Truth About Pandemic Auto Insurance Rebates

April 23, 2020

There is lots of news out there about insurance companies offering discounts and rebates to reflect a drop in the frequency and cost of claims. It’s true that insurance companies are doing their best to help their customers save during the crisis, but the maximum savings are only available by removing coverage, and that can be very risky.

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How to Order Your Insurance History

March 20, 2020

The auto insurance industry in Canada shares information on claims through a system called Autoplus. When you call to shop for auto insurance, your broker will order your Autoplus report, in addition to your driver’s abstract, to verify the information you’ve given her/him during the call. If you’re not sure what they will find on the report, you can order it yourself, free of charge. If you disagree with anything in the report, you can challenge it.

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How Long Does An Accident Stay On My Driving Record?

February 13, 2020

Everyone knows that an at-fault accident affects how much you pay for auto insurance. But for how long? Technically, it stays on your record forever, but most companies use it for six or nine years to determine whether they want to insure you at all, and if so, to help set your premium. Some companies use it for up to 25 years.

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Where Does Your Auto Insurance Money Go?

February 10, 2020

Auto insurance isn’t just one thing. When you call to get an auto insurance quote, you’ll get a premium that includes a number of different coverages. The quote will always include the following coverages that are mandatory in Ontario:

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Need an Umbrella? Why You May Want $5 Million Liability Coverage

January 30, 2020

At Mitchell & Whale, we feel strongly that every one of our customers should have much more liability coverage than the minimum $200,000 mandated by the Ontario government as part of every auto insurance policy. Read more