General Insurance Info

The Benefits of Using an Insurance Broker

There are several differences between an insurance agent and an insurance broker, but there is one key difference that sets them worlds apart: a broker is an insurance expert that works for you, whereas an agent is an insurance expert that works for the insurance company – and one company at that. Since an insurance broker represents many insurance companies, you can relax while they do the shopping around for the best coverage and the best rates for you.

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Telematics and Lower Car Insurance

If you’re a safe driver, installing a telematics “black box” device in your vehicle is an easy way to achieve lower car insurance premiums. While the law and good sense require you to carry insurance, no one wants to pay more for this coverage than necessary. That’s where telematics can help. Read more

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Save Money with Loyalty Discounts

Are you taking advantage of loyalty discounts? Insurance companies appreciate your business and want to encourage you to stay with them. To earn your loyalty, insurance companies usually offer a 5-15% discount on your insurance premiums when you renew your policy with them to thank you for your continued business. Read more

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Save Money by Paying Insurance Premiums

Although budgets can get really tight some months, be aware that you really can save money by paying insurance premiums on time. Like most businesses, insurance companies do not consider non-payments lightly. In an industry in which premiums are calculated according to various risk characteristics (age, experience, claims, geography), insurance history plays a big role too in determining whether you qualify for insurance with a certain company. So you better believe that a policy cancellation due to non-payment shows up on your insurance history records. Read more

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Puzzled by Car Insurance Premiums?

Your Guide to Understanding the Factors That Matter Most with Car Insurance

Many people are puzzled about how car insurance premiums are determined. No doubt, you’ve wondered yourself, “why do I pay more than my friend when we both have a clean driving record?” or “why does my sister pay less when she has a ticket and I don’t?” These are great questions that all have the same answer: insurance rates are not determined by driving record alone. There are many components that make up a driver’s premium. Read more

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Insurance Discounts

Without a doubt, discounts are the best way to reduce your premiums. Do you know all the discounts available to you? Qualifying for discounts is easier than you think, so it is important to talk to your insurance broker about maximizing your savings. Read more

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What is RIBO?

RIBO stands for the Registered Insurance Brokers of Ontario, which is the self-regulatory body for insurance brokers in Ontario. RIBO was established by the Ontario government in 1981 to protect the public during insurance transactions with brokers. RIBO regulates the licensing, professional competence, ethical conduct, and insurance related financial obligations of all independent general insurance brokers in the province.

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Spring Driving

When spring finally arrives, it is important to remember that there are still some driving hazards that need to be considered. Read more

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