Auto insurance Recent Posts

Teslas are considered the pinnacle of electric vehicle innovation, merging sleek design with cutting-edge technology. They’re known for many advanced features, from long-range capabilities to impressive acceleration, but they’re also a symbol of eco-friendly luxury in the auto world. 

For Tesla drivers, the importance of selecting an insurance company that understands the value and unique needs of electric vehicles cannot be overstated. But which insurance companies are the best for Tesla drivers in 2024? 

Every insurer is unique and charges different prices for coverage depending on their database of statistics and what they have experienced when it comes to losses involving Teslas.  

To show how different auto insurers price coverage for 2023 Tesla Models 3, S, X, and Y, we ran insurance quotes for a fictional 35-year-old married male who lives in CITY, has a clean driving record and drives approximately 13,000 km a year. 

Some companies may also offer discounts and savings for Teslas. Companies also offer battery coverage (which can hike costs and wasn’t included in our quotes), and so on.  

Teslas tend to be more expensive to insure than gas-powered cars because of their value and repair costs. The price of Teslas may start coming down to be more affordable in the future, but they’re currently still considered luxury vehicles. 

Below are the average price ranges for Teslas, which may give you a better idea as to why these vehicles typically cost more to insure:  

Tesla prices vary depending on the trim and options. As insurance premiums usually factor in replacement cost, the more expensive the trim and the more features your car has, the likelier your insurance costs are to go up. Working with a broker to help you find the best insurance company for your Tesla is essential in helping manage your budget.  

From an outsider’s perspective, Teslas and similar electric vehicles are no different than traditional gas-powered cars apart from the fuel source. Why should the insurance be any different?  

Well, one feature Teslas are rolling out and improving with each passing year is autonomous driving. Current autonomous features include forward collision warning and mitigation, autopilot with lane-keeping assist, etc. Full self-driving capabilities may be on the horizon, however, and with autonomous driving comes the possibility of minimum auto insurance requirements or built-in insurance costs.  

When it comes to Teslas, it’s important to think about their weight. Electric cars tend to be heavier than traditional gas ones, which can make accidents more serious, especially when they involve lighter vehicles. Take Tesla’s Cybertruck, for instance, which weighs about 7,000 pounds (about the weight of an elephant), with around 30% of that being its batteries alone. If you’re in a collision while driving a Tesla, you might be safer than the other vehicle involved, particularly if it’s not an electric one. In such cases, the other vehicle could sustain serious damage and the people inside could suffer severe injuries. 

Mitch works with some of the best Tesla insurance companies in Ontario. If you’re looking for great protection for your Tesla at an affordable price, give us a call and get a free insurance quote today.  

In 2024, everything from rent to groceries is pricier, putting a strain on finances. Female drivers can save money by picking the right car insurance in Ontario. But with so many options, who’s the top choice for them? 

We’ve compared various female driver profiles among some popular insurers we partner with. Remember, while we looked at costs, there’s more to an insurance company than just price. When shopping for auto insurance, other factors matter too. Check out our post on the 2024 best auto insurance companies in Ontario for additional information.  

The auto insurance world is divided into regular market auto insurers that sell coverage to most drivers and high-risk market insurers that sell insurance to those who may have unfavourable driving records or spotty payment histories. High-risk insurers tend to sell their coverage for higher premiums, so to make things fair in our comparisons we’ve separate rankings for both carrier types.  

Table 1. Best regular market insurers for female drivers in 2024 

Table 2. Best high-risk market insurers for female drivers in 2024 

To provide you with an idea of the type of rates that women in Ontario might expect from different insurers, we’ve compiled a list of eight (fictional) female driver profiles that vary by the status of their relationship (married or single), age, location, driving record, and vehicle they own. The drivers we used are fictional, but the prices listed in the table below are a representation of what someone with similar attributes might pay for their auto insurance. 

To ensure that the only variables changing was the age, marital status, vehicle, location, and driving record of the individuals, we kept coverages, deductibles, policy limits, and discounts the same. 

Here are our drivers: 

In our list of best insurance companies for female drivers in 2023, the results were somewhat different. This is partly because we’ve used different profiles. However, this is also because no one insurance company will remain the “most affordable” option permanently. Insurers keep a close and frequent watch on the cost of their claims and will compare them to the revenue they generate from premiums. They want to ensure that the premiums they collect are sufficient in covering claims, plus a small amount leftover for profit. 

Insurers offering the most competitive rates for female drivers tend to attract more customers based on affordability. This can prompt other companies to adjust their prices to stay competitive. However, if claim costs and frequency increase for female drivers, insurers with lower rates may need to raise prices to maintain profitability and cover expenses adequately. 

We can’t pinpoint the perfect auto insurance company for you as a female driver without understanding your specific needs. However, we’re committed to helping you discover the most competitive rates consistently. Reach out to a broker at Mitch Insurance. We collaborate with over 70 of Canada’s leading insurers and are dedicated to finding you excellent coverage at an affordable price. Contact us now for a complimentary quote with no strings attached. 

March is Fraud Prevention Month, an annual campaign that aims to identify, prevent, and report fraud.  Insurance fraud is a huge issue across Canada and costs policyholders over $1 billion a year in added premiums. Plus, it puts more strain on our health care, emergency service, and court systems. When one person cheats, we all end up paying.  

Recognizing the different types of insurance fraud, what to do if you suspect fraud, and how to prevent fraud are crucial to avoid becoming an unwitting victim.  

Insurance fraud entails the intentional misuse of insurance coverage or its applications to achieve a favourable outcome. This often involves filing an exaggerated or false claim or deceiving your insurer in another way. In short, insurance fraud exploits an insurance contract rather than protecting the insured. 

Here are the five most common types of auto insurance fraud: 

Auto insurance fraud can be broken down into two different categories: opportunistic and premeditated. These are defined as follows: 

Following a legitimate loss, a policyholder seizes the opportunity to make an exaggerated claim to receive an unwarranted insurance payment. Some examples of this are: 

Premeditated fraud involves carrying out intentional, deliberate actions to make a claim for an insured loss event. Premeditated fraud not only raises auto insurance rates for everyone, but it can involve severe bodily injury or even loss of life to unsuspecting victims. Examples of premeditated fraud include:

Over 74% of Canadians are aware that insurance fraud impacts their insurance premiums, showing how much this crime has grown in frequency and severity.

If you didn’t already know, yes, insurance fraud can result in higher taxes and greatly increase your insurance costs. Consider this: who ends up paying for the additional legal bills if an insurance fraud case ends up in court? Whose premiums go into the overall pool of funds used to pay out claims? Whose taxes help pay for police investigations of collisions?

Beyond costs, insurance fraud can also cause:

Given the current economic landscape, it’s more important than ever for all Canadians to remain vigilant and take the necessary steps to protect themselves against fraud. Here at Mitch, we recommend the following to help prevent fraud if you are involved in a collision:

While law enforcement does their best to prevent insurance fraud, everyone can help make a huge difference by reporting fraud if they’ve witnessed or have information about a potential crime.

Follow these steps to do your part in preventing insurance fraud:

In today’s cost of living crisis, saving money where possible is essential. Insurance is a mandatory purchase, but it doesn’t have to break the bank. To save money on your insurance, you’ll want to work with the best auto insurance company. But who’s the best of the best?

Below is a breakdown of the best car insurance companies in Ontario, including what they offer, how they rank by coverage options, price, and more.

There are more than 80 insurance companies in Ontario that sell auto insurance. Each insurance company has its own “offering,” and certain insurers only offer niche auto insurance (such as high-risk, right-hand drive, or classic car insurance).

When you want the best, you need to know what it means to be the “best.” The insurer you choose should be able to:

While an insurance broker’s duty is to help find you great rates, they can also help partner you with an insurer who will find you the best coverage fit. This goes beyond price. There are other ways to rank auto insurance companies beyond their price. Keep the following in mind:

J.D. Power, a software, consumer intelligence, and data analytics company, conducts their own customer satisfaction surveys every year for auto insurance companies. While their rankings may only serve as a general guideline, it’s good to take note of common trends. Note that J.D. Power ratings do have their own limitations, such as:

This is a factor that too few policyholders know about, but it’s important. When insurance companies are smaller, the funds that they have to payout claims also tends to be smaller. The risk that the insurance company may not have enough money to pay out all claims is greater. Larger companies tend to have a more evenly spread risk, and have also likely purchased reinsurance, so there’s less risk for the insured. This, of course, isn’t always an exact science – and sometimes the smaller guys will meet your needs even better than the big guys!

While reviews are not solely about what drivers should go off, they can be an indicator of the kind of service you might expect from an insurance company. They can be skewed because:

The best you can take away from online reviews is how insurance companies “argue” over what’s covered when a claim is filed and how easy they are to contact. Reviews may be able to show how well (or poorly) an insurance company fares for these aspects.

There’s no definitive way to say which auto insurance company is the best. We’ve created the table below to show the differences between different auto insurers. Note that we can only access pricing information from the auto insurers that we partner with:

There is no single best auto insurance company in Ontario that works for everyone, as everybody’s personal insurance needs are just that: personal. What works for Bob and Jerry down the road may not work for you, as your driving habits may be different, your driving experience, the cars you drive, etc. The table below shows pricing comparisons between some of our partners for different demographics:

All drivers with a valid Ontario license are entitled to fair access to insurance. Different insurers will specialize in different types of “risk,” meaning some companies may offer insurance to drivers who would otherwise have a difficult time getting insured through the regular market. In the chart above, we included which companies are open to business in different categories. Here’s a breakdown of those different categories:

Most drivers in Ontario are insured through what is known as the standard market. This means that the companies who offer “standard” insurance will offer it to low or medium-risk drivers, so drivers who don’t use their cars for business usage, aren’t right-hand drive, don’t have modifications, or who don’t have more than three tickets/at-fault accidents on their record.

High-risk auto insurance, also called nonstandard auto insurance, is offered by companies who specialize in insurance for drivers whose risk profile would otherwise be uninsurable by standard market companies. This is usually due to serious driving convictions, at-fault accidents, or having been cancelled due to a history of non-payment.

Some insurance companies specialize in offering insurance to what are known as non-standard vehicles, which are often right-hand drive, classic/collector vehicles, or vehicles that have been heavily modified.

In Ontario, motorcycle insurance tends to rack higher than car insurance on average as accidents can involve severe injuries, and may include the potential for long-term disability. Motorcycle insurance, as a result, can be riskier – even with more experienced drivers.

Few insurers will insure drivers under 25 or who have less than 5 years of riding experience. In this case, they may need to obtain coverage through Facility Association as their only option.

If you use your personal vehicle for ridesharing companies such as Lyft or Uber, and you transport either food or passengers, then many insurers may not agree to work with you, and you’ll have to acquire specialized insurance through a rideshare insurer. This tends to be more expensive than standard auto insurance.

Using a car for business purposes, such as owning a vehicle with business branding, hauling goods, tools, or delivering passengers, calls for commercial auto insurance. Many auto insurers specialize in insuring business vehicles.

There are quite a few options for farmers wanting to insure their farm-use vehicles, with over 40 farm mutuals operating in Ontario. Note a few of these mutuals only operate in their immediate geographic region. Some business vehicle insurers will also cover farm vehicles as well.

While it can be tough to choose a car insurance company that’s right for you, Mitch can help. We partner with many of Canada’s top auto insurance providers, so we’re confident we can help you find a company that fits the bill and for a great rate, too.

On January 1, 2024, Ontario changed direct compensation-property damage (DC-PD) to optional coverage, allowing drivers to sign a form (called OPCF 49) to remove it from their policy. 

DC-PD was mandatory as part of Ontario’s no-fault auto insurance system introduced in 1990. Making it optional was done to allow consumers more control over their coverage and provide an option to reduce costs. However, electing to remove DC-PD can prove more harm than good. Here’s why. 

The cost of having DC-PD in your insurance policy varies by the vehicle, your demographics, how long you’ve been licensed, where you live, etc., but usually it averages between $400-$1,000/year. For most people, the biggest reason for opting out of DC–PD is to save this amount – but many may end up paying more than if they had kept DC–PD in their policy. 

DC-PD covers you if you’re involved in an accident with another driver where you were either only partially at-fault or not at-fault. For example, someone rear-ended you at a red light. DC-PD would trigger and help cover: 

If you sign OPCF 49 to remove DC-PD, you would not have coverage for any of these things in a not at-fault accident. Drivers may be severely financially impacted by vehicle damage if they’re hit by another driver or involved in a partially at-fault accident without this coverage.  

For most drivers, we recommend not signing OPCF 49, especially if you want to cut costs. The endorsement may provide you with more choice, but it puts a lot of financial onus on you if you’re involved in a traffic collision – even one where you’re not at-fault.  

Here are some of the main drawbacks of removing DC-PD from your policy:  

Without DC-PD coverage, you’d be left arranging and paying for the costs to repair your own vehicle, replace the contents left inside the vehicle, rent a car, and cover any additional fees pertaining to storage and towing. 

As signing OPCF 49 removes DC-PD from your policy, you’re likelier to have not at-fault claims rejected as your policy will no longer meet your coverage needs.  

The length of time it takes to repair vehicles is longer nowadays because of chip shortages and supply chain issues. If you’re in an accident, you may need to find a temporary replacement for your car to get to work or do other daily tasks. DC-PD contains coverage for loss of use, but if you’ve removed it from your policy by signing OPCF 49, the price of a rental car is your own responsibility. According to Enterprise, Ontario currently has the longest average billed days (19.5) for rental vehicles where the driver is awaiting repairs. For rentals associated with total losses, the number is a bit higher at 24 days (about 3 and a half weeks) average. 

This can rack up quickly in cost, especially when you consider that an Enterprise mid-sized SUV averages out to around $48.24 plus HST per day, and a pick-up truck will run about $45.74 plus HST. Non-Enterprise vehicle rentals will typically exceed $65/day. 

Yes, signing OPCF 49 and removing DC-PD may allow you to lower your premium by between 5% and 10%. But there’s more to it than that. Without DC-PD, you greatly risk being underinsured, and if money is already tight, OPCF 49 can put you in a worse situation than you would have been in had you not opted out of the coverage.  

Talk with an insurance broker before electing to include OPCF 49 and opting out of DC-PD coverage. 

We’re living in a cost-of-living crisis, and so it’s no wonder people are tempted by this new offering. Saving a few hundred dollars a year can be a huge opportunity for many but removing DC-PD may cost you more than you’d end up saving if you need to repair or replace your vehicle after a not at-fault accident. Here’s some alternative suggestions to removing DC-PD coverage from your auto insurance to help you save money: 

One alternative to removing DC-PD coverage altogether is to raise your deductible on it. DC-PD coverage automatically comes with no deductible, meaning in a not at-fault collision you’d pay nothing for the repairs to your car, but you can elect to raise that amount. Doing so will lower your rates, but it will also mean you’ll be responsible for a certain amount out-of-pocket if you’re involved in an accident. Choose this option with care. 

Bundling your insurance is one of the easiest ways to save money on your coverage; in fact, what you save may equal or even exceed what you’d save by dropping DC-PD. If you have a home or renters policy, you can save hundreds of dollars on your auto insurance by insuring them through the same provider. Talk with one of our insurance brokers for more information about this option. 

Usage-based insurance is a program through which you agree to have your driving behaviours tracked. Good driving behaviour can result in savings, and many programs will offer you an initial 5%-10% discount for just signing up. Some programs can save you up to 30% on your insurance. 

If you’re considering OPCF 49 to remove DC-PD from your policy, give us a call. Mitch works with over 70 of Canada’s top insurers and can help find you an affordable alternative without needing to sacrifice much-needed coverage. 

Imagine you’re going about your daily errands and just when you’re getting into your car after buying groceries, someone reverses into you.

Anytime you’re involved in an automobile accident, knowing what next steps to take can be invaluable. Here’s what to do if you’re involved in a parking lot accident.

Parking lot accidents are a lot more common than you might think. Roughly one in five traffic collisions that occur in Canada take place in parking lots, and despite the low speeds they can often result in serious injuries and property damage.

What’s more is that parking lot accidents, like any car accident, can affect your auto insurance. For this reason, many parking lot accidents go unreported, and hit-and-runs are common.

It’s a popular misconception that parking lot accidents should be treated differently than any accident on public roads, especially those that take place in residential lots. This is not true, and like all car accidents, if the estimated damage exceeds $2,000 or someone is injured, you’ll need to call the police and file an accident report.

While it’s commonly assumed that both drivers are deemed equally at fault in most parking lot accidents, that’s not always true. Some of the most common types of parking lot accidents include:

Insurance companies are responsible for determining fault. Each company has a team of adjusters who analyze the evidence, review the details of the accident, and apply Ontario’s “Fault Determination Rules” (which outlines specific guidelines for determining faults) to decide.

Follow these steps following a parking lot accident, as you would with any other traffic collision:

If you decide to file a claim after a parking lot accident, you’ll have to contact your insurer. Make sure to give them as much information as possible, including providing any photographs, documented witness statements, etc. With parking lot incidents, there’s the chance you could scrounge up security footage of the collision – which can go a long way, especially if the other driver was unable to be identified.

Speaking of unidentified drivers, what happens in the event of a hit-and-run where either the other party takes off or you come outside to see your car has been hit with no other driver in sight? Unfortunately, uninsured motorist coverage will only cover you if the other driver is identified (even a license plate will do) but underinsured/uninsured. To have coverage for a hit-and-run where the other driver can’t be identified, you’d have to have collision insurance.

What if your deductible is higher than the cost of the damages? Most drivers with collision insurance elect to have deductibles of $500 to $1,000, or even more in some cases. You won’t be covered if your deductible exceeds the cost of the damages.

You have a year to file a claim, but we suggest contacting your broker or insurer to get the process started as soon as possible. The quicker you get your car fixed, the sooner you can move on with your life.

In incidents where damage is very minor, which is sometimes the case with parking lot fender benders, drivers may elect to pay for damages out-of-pocket. You should still let your broker know about the accident. Why? Well, having a conversation with a broker about an accident isn’t the same as reporting to your insurer. Your broker can provide you with advice based on the scenario and then wait until you decide about what to do. If you are considering handling the matter on your own from the get-go, be sure to ask your broker not to report it to your company yet. The only time a broker has no choice but to report it is if the other party has already reported it to their company.

Paying out-of-pocket can be an option if the costs are manageable and you want to deal with them on your own. It also won’t affect your insurance premiums later if you go this route, and many at-fault drivers will choose this option assuming damage is minimal. Still, you’ll want to ensure you still get the other drivers’ information and that everything is in order. You don’t want to be given false information and have the other driver skip out, leaving you with the bill. Make sure you have their license number, insurance information, and license plate.

For further questions regarding getting hit in a parking lot, whether to file a claim, and other post-collision steps, give us a call. Our team of insurance brokers is always happy to help.

Thanks to Mitch Insurance’s Jesica Ryzynski, registered insurance broker since 1997, for her input on this post.

Canada welcomes hundreds of thousands of new immigrants each year. As a newcomer to Canada, you can obtain auto insurance with either a valid international or provincial driver’s license. You may be aware of this already, but car insurance rates can fluctuate due to many factors and premiums for international drivers as international driving experience may be interpreted differently by local carriers.

Let’s take a deeper look at how driving experience from abroad works when it comes to your auto insurance in Canada.

Some insurance policies from foreign countries will include coverage for driving in Canada, whereas others won’t. You’ll need to check with your provider to see if your policy offers you coverage while driving in Canada and if there’s any restrictions for how long you’re covered. There also may be specific coverage restrictions, and you may need to consider purchasing additional insurance from a Canadian insurer.

It’s always a good idea to familiarize yourself with what the insurance regulations are in a country you’ll be driving in (whether you’re moving there or staying for a period of time). If an accident occurs, you don’t want to learn the hard way that you weren’t adequately covered.

The same deal as above applies to tourists driving in Canada. If you’ve brought over your own vehicle, you might be able to get insurance coverage via your existing auto insurer. If your current provider doesn’t extend coverage to Canada, you’ll need to purchase a separate policy. If you’re renting a vehicle through a rental car company, they will typically offer their own form of insurance, which is usually called a “Loss Damage Waiver” or “Collision Damage Waiver”.

You’ll likely be able to get car insurance in Canada even if you have a foreign driver’s license, but you could be required to take a driving test to show you are familiar with Canadian driving regulations. You may also need to prove you have some level of Canadian driving experience before you will be eligible for coverage with some insurers.

In some cases though, foreign drivers will need to have proof of their permanent residence in Canada and/or a valid provincial driver’s license.

The process varies depending on what province you’re trying to obtain a license in, but in Alberta and Ontario it’s fairly simple.

To switch your existing international driver’s license to an Ontario one, you’ll need to apply in-person at a DriveTest centre, or alternatively visit the Service Ontario Bay and College location in downtown Toronto. You can exchange your out-of-country or out-of-province license for an Ontario license if you are currently relocating from:

You’ll need to provide proof of your past driving experience in your home country. Every new driver in Ontario must go through the graduated licensing program to learn how to drive (in a controlled environment). This program also applies to drivers with foreign experience even if they cannot prove that experience. To apply for your Ontario license, you’ll need to:

If you’re not from a country that can exchange your license (either because there’s no exchange agreement in place, because the license is a learner’s permit/novice-class driver’s license, or because it’s a motorcycle class driver’s license from Japan, South Korea, Germany, France, Great Britain, Austria, Isle of Man, or Republic of Ireland) you can still get credit for previous driving experience. Check out this licenses for out-of-provinces and out-of-country drivers guide.

If you’re from an eligible country and hold a valid driver’s license, you can trade it in for an Alberta license by going to a registry and bringing the following:

If you are unable to prove at least two years of driving experience, then you will receive a Class 5-GDL until you can provide sufficient proof.

If your license isn’t from an eligible country, then you’ll need to pass a knowledge test to receive a Class 7 learner’s license, and then take the road test to receive a Class 5.

Often, yes. The cost of auto insurance for foreign drivers varies based on their circumstances and their country of origin. It might cost more because their driving experience may not be considered the same way, especially if their foreign driving experience isn’t valued equally to Canadian driving experience. The reason for this is simply that rules and regulations are different depending on where you live, and insurers may see foreign drivers as less experienced in driving on Canadian roads (and therefore more inclined to be involved in collisions).

That doesn’t mean foreign drivers can’t save on their rates. Working with an insurance brokerage like Mitch unlocks unique opportunities to access things like multiple policy discounts, low mileage discounts and more. We work with over 70 top-rated Canadian insurers to find the coverage that’s right for you at the best price possible. Give us a call for a free quote today.

The start of a new year is a great time to set new personal goals for the months ahead. Having different accomplishments that you’re working towards achieving leads to greater happiness, fulfillment and – more often than not – some very cool and memorable experiences.

Whether it’s traveling someplace you’ve never been, learning a new skill, finishing a major project or checking things off your bucket list, we love seeing people setting and working towards goals. Here are some of the personal goals our teammates at Mitch Insurance are looking to achieve in 2024.

Angela Allison, Account Manager: My personal goal for next year is to travel! I want to see more of Canada as I’ve never been out west. There are so many interesting things to see and do in our country. I’ve only been to a few states in the US as well. In 2024, I want to visit Alberta, Nova Scotia, Delaware and Nevada.

Becky Burnett, Personal Insurance Advisor: My personal goal for 2024 is to focus on daily happiness and making memories with my kids every day instead of only looking forward to events, vacations or long weekends. I want to learn to live in the moment with my family and not take the small moments for granted.

Cheryl Thornton, Personal Insurance Advisor: I’m a true artist at heart you can often find me decorating someone else’s home, helping someone find that perfect gift, or tinkering around in my apartment to change a room to better fit my style. In 2024, I would like to finish writing my book and to start painting again on canvas, to truly explore the artist inside me while still enjoying the analytical side every day with my insurance broker role.

Ian Mewhinney, Quality Assurance Specialist: My goal for next year is to keep my New Year’s resolution. I had a streak of keeping it for four years in a row, but I’ve fallen off in recent years. In 2024, I want to stop eating potato chips. It was one of the first resolutions I kept in the past, and I’m hoping it will help me get back on track.

Jesica Ryzynski, Claims Specialist: My goal for 2024 is to take better care of my own health and well-being, so I can continue to care for those around me.

Kathryn Lebert, Solutions Specialist: I’m hoping to see at least six concerts next year, starting with a road trip in April to see Starset perform in Michigan.

Lena Perkins, Creative and UX Designer: In 2024, I want to take more art classes. I joined a printmaking class this year and loved it. It’s a great way to express my creativity and try some different mediums. I think I’ll do a pottery class next year. I also want to read more books. This year, I read 30 books. Next year, I’m aiming for 35. And I want to have a perfect downward dog form as well. Well, maybe not perfect, but I want to improve my joint mobility to reduce risk of injuries and improve my workout game. Yoga class here I come!

Lisa Indriksons, Commercial Account Manager: I moved to New Brunswick a year ago after living my whole life in Ontario, but haven’t really had a chance to explore it properly. My goal for the upcoming year is to make it to at least one provincial park for a camping trip and to try to get to all of the tourist spots around the province to check them out.

Lynda Taylor, Underwriting: Next year, I want to go camping in Revelstoke Park with my sisters and finally complete renovations on my home, which we’ve working on for the last couple of years.

Lyndsey Dewdney, Renewal Specialist: In 2024, my goal is to establish a steady exercise routine guided by my 82-year-old father-in-law, who is a seasoned personal trainer. I anticipate that the workouts might challenge our relationship at times – I’m counting on some good-natured grumbling during the sessions. Overall, I’m excited for his help in reaching my fitness goals and hope this shared experience will not only contribute to my well-being but also strengthen our relationship in a unique way.

Natalie Mullins, Personal Insurance Advisor: My goal is to keep working on my bucket-list item of visiting all of the Medieval Times in North America. I’ve been to the ones in Toronto and New Jersey, and this year I want to make it out to the one in Scottsdale, Arizona.

Shawn Despres, Head of Communications: I want to run Hamilton’s Around the Bay Race in March. I’m going to start with the 5K run and will hopefully work my way up to longer marathons. I’m a huge live music fan and next year I’d love to catch a concert at Red Rocks Amphitheatre in Colorado. It’s definitely a bucket list venue for me.

Tammy Floyd, Receptionist: I’m the type of person that very seldom takes time for myself. Next year, I want to work on taking better care of myself. It’s important for everyone to do and is good for both your mental and overall health.

Victoria Deschênes-Rivers, Underwriting: I’m hoping to do a week-long trip to the Bruce Peninsula and explore Tobermory. I’d like to visit a few other Ontario Parks campgrounds too. I’m going to push myself to participate in a few 5K runs, and to renovate our kitchen and bathrooms on a budget.

Comment below and let us know some of your personal goals for 2024. If one of your goals is to save on insurance, give us a call. Our brokers are always happy to help!