Posts Tagged ‘drivers’

Auto Club Membership Rewarding And Life Saving

Sunday, May 2nd, 2010
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Canadians know winter like no other country in the Western world. Though the more northern states of the U. S. Can definitely compete in terms of snow and temperature, the dangers of Canadian highways and backroads during winter can be very extreme. Driving them is almost always hazardous. Having an auto club membership can lessen some of the hazard and at least provide a sense of security to Canadian drivers.

Many memberships for auto clubs have similar benefits. Some offer exclusive benefits, however, that cost an extra yearly fee. And many auto clubs are merely offshoots of a brand name, such as a gasoline company or a popular auto mechanic. To find the right membership, compare the lists of benefits and costs involved for each.

Battery boosting is also something to look closely at. Many a Canadian driver has had to experience a car that just refuses to start, or shuts down completely on a cold and deserted highway. It’s still common practice in some parts of the country to think that a car doesn’t need to be plugged in at night.

Typically an auto club membership should include standard towing as well as winching or extrication services. Towing should be available twenty four hours of a day, seven days of a week. Extrication of course may not have the same coverage. Usually winching and extricating are for more rare cases anyway, when a car is mired in mud or stuck in wet sand on a beach.

Even cars that are plugged in during the cold winter night might not start at the office or at a friend’s house. Some will just stall and not start again, which is ever so dangerous on a highway. Thankfully many memberships include battery boosting services where a tow truck will come and test a battery’s charge. If it can’t be boosted, they might provide a cheaper battery at little to no cost, depending on the membership. Many will go out of their way to get a member’s car going again.

It’s important to plan for situations in advance. When it comes to young or elderly drivers, or any family member really, it’s good to have a membership in a popular auto club. If a young driver needs roadside help, it’s nicer to think of them having a reputable towing company come to their aid. And family members would appreciate knowing that they’re taken care of if anything goes wrong, that someone will come and help them get home to their loved ones.

Many of the things that drivers take for granted are offered by a membership in an auto club. Having a tire go flat or running out of gas are rare occurrences for people. These things simply don’t happen all the time. However, in the rare case that one does, it’s nice to know that a tow truck will bring a spare tire or come and give a broken down car a lift to a car mechanic. Some memberships also include a rental car. Tow trucks will also often delivery gas if someone has run out and can’t easily get to it. This is especially important in the winter months when people can and do die from exposure to the cold and not knowing how to survive a bad situation.

Even in Canada, many people hop into their cars without jackets or proper winter clothing. There is a belief by many that they’ll be in and out of their vehicles so quickly that they won’t need to prepare for the worst case scenario. Having an auto club membership is a part of that ever important preparation, just like having blankets, food and flares in the trunk at all times. Winter is a harsh season.

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Comparing Automobile Insurance Rates In Canada

Wednesday, April 14th, 2010

Drivers can save a decent amount of money by comparing automobile insurance rates in Canada. Finding out what factors affect your insurance and how to shop for coverage is the first step to significant savings.

Research insurance rates over the internet or on the phone. Use search engines to find comparison websites or check out the yellow pages for companies that serve your area. One phone call and less than 20 minutes of your time to answer questions and make a few choices can put you on the path to saving money. Get a firm quotation to really get a handle on how much.

The amount of auto insurance charged is based on who you are, where you live and what kind of car you drive. Some provinces, like Manitoba, have provincially run insurance programs with set rates. Every Canadian driver must have a valid policy that covers them against property damage and has liability and medical coverage in the case of an accident. Many drivers have coverage that extends past the minimum necessary amounts.

If an Alberta driver who is 49 years old drives a 2004 Toyota Sienna, they can expect to pay as low as $1400 and as high as $1700 for insurance. If that driver moved to Ontario and drove a 1999 vehicle, they would save anywhere from $200 to $300 per year.

Factors such as your driving record and the use of your vehicle also change the amount charged. Car insurance rates in Canada increase if the vehicle is used for business and therefore driven longer distances over the course of a year. Drivers with poor driving records will also experience higher auto insurance quote and may even be turned down or have their coverage canceled.

If at any time your insurance is canceled, you will need to report that on subsequent insurance applications. Claims and at fault accidents that occurred in the last ten years will also need to be disclosed. Don’t try to hide the necessary information or you may find that the insurance or quotation is invalid.

Sometimes insurance rates will differ between males and females. All drivers that have successfully completed a driver training course can obtain a rate savings with the proper documentation of the completion.

Ontario seems to consistently have the highest automobile insurance rates in Canada. A 23 year old living in Ontario and driving a 2006 Chrysler will pay around $1600 per year. The same insurance company (a national firm) will offer a 19 year old living in Quebec and driving a 2005 Mazda a policy for under $1100. Other factors will come into account with these prices, but location is an important aspect.

Drivers that are looking to decrease the cost of the automobile insurance rates in Canada should opt for a higher deductible and opt out of unnecessary coverage. Make sure that you understand exactly what your coverage offers and eliminate anything extensive or beyond your needs. Also remember that the higher deductible may cost you more if a claim is made, but will save you money year after year on the policy.

Shop for auto insurance wisely, be open with your information and ask plenty of questions to obtain the best rate.

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Benefits Of A Car Insurance Quote For New Driver In Canada

Thursday, March 11th, 2010

When it comes to driving on the roads of Canada everyone needs to hold a certain amount of car insurance. It is vital to receive a car insurance quote for new driver in Canada for a number of reasons. Check out these top advantages of insurance quotes and car insurance coverage that anyone can receive!

If you do not want to get into any trouble with the law then you will need to carry around car insurance. Canada government has set up a number of requirements that are required for all new drivers. Make sure that you know which requirements that you need to meet so that you can start driving on the roads immediately.

In order to save as much money as possible and get the right coverage for our car and budget, you will need to start the quote process. Take the time to get online and find out who your major competitors are. From there you can apply with each of them to start the comparison price and have all of your initial questions asked.

Getting a car insurance quote for new driver in Canada will also plug you into cheap premiums. Every company that you talk to will give you a 6 month premium that is comes with a couple different payment options. You can pay the premium up front and have coverage for a solid 6 months, or you can pay on a monthly basis. Make sure to go with what you can afford at one time.

Those drivers with bad credit need to use quotes in order to save money on their overall down payment. Look for a company that does not ask for a lot of money and still gives you a good amount of insurance. If you have a pristine driving record, you should be able to save a lot of money despite what your credit report says.

Look into other features that you can receive with your coverage policy. When you look over a car insurance quote for new driver in Canada find out about rental car coverage and even medical expenses. In the event of an accident you will still be able to get around town and get all of your work done while your damaged car is being fixed up.

All features and coverage options are designed to keep you safe at all times. When driving, you will need to carry around the insurance cards with you so that you are safe in the event of an accident or traffic stop. Passengers that drive along with you will also be safe, given that you have the right amount of coverage.

Now is the best time to get a car insurance quote for new driver in Canada. If you want to enjoy your new car and save tons of money you need to start the insurance quote process right now. Within an hour you could have what you need to drive your brand new car! the sooner you get started online, the sooner you can start enjoying the open road!

This reliable car insurance dealership offers competitive rates along with exceptional customer service, thus providing the best valued car insurance in Ontario. You are guaranteed a safe driving experience by entrusting us with your auto insurance needs.

Why You Should Not Mix Drinking And Driving

Monday, February 8th, 2010

Ever since the invention of the automobile people have been drinking and driving. There are many people that think they can drive if they have only had a couple drinks but this is far from the truth. There is never an excuse for drinking and driving, no matter how little you had to drink.

When you take the risk and drive will drinking there are many things that may go wrong. You could end up spending the night in jail and having to pay a large fine for a DUI if you are caught driving drunk. Not to mention all of the people you are putting in danger. A DUI is the best case scenario because you could end up taking someone’s life.

You run the risk of losing a lot when you are drunk and driving. If you drive after you have been drinking you take the risk of killing yourself or someone else. You will go to jail if you wreck and the result is someone’s death. You absolutely can and more than likely will be arrested and charged with the crime of man slaughter if you kill someone will driving drunk.

Most people would have a hard time living with the fact that their bad choice caused someone to die. Of course going out and having a few drinks is perfectly fine as long as you do not drive after you drink. If you are planning to have a drink make sure you plan on a safe way to get home like a friend or taxi.

There is never a reason to drink and drive when a cab can get you there safely for only a few bucks. The few dollars you pay the cab driver to take you home could save someone’s life and it may even be yours. Never think that you can drive because you have only had one or two drinks. Many people have said that they can drive as well or better when they have been drinking but this is never true.

There is no one who can drive better while being drunk. When you and your friends go out drinking, be the responsible adult and suggest everyone take a taxi cab home. When leaving after a night out drinking ask the smart question of “what is the number for the cab”? Never ask who is sober enough to drive us home.

When you have had a couple or drinks you may not make the most rational decisions. This is why planning ahead is so important. If you plan for a cab to drive you to the club or bar then you will more than likely be taking a cab home. Ask a friend to drop you off if you plan to drink this way your car will not even be there for you to drive. This country also has a problem with teenagers driving drunk.

Set a good example for your teens and talk to them about drinking and driving. Make sure they know that drinking is harmful and that driving drunk could ruin their lives or get them killed. Too many teens have lost their lives due to drunk driving.

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Cars That Are Less Expensive To Insure

Saturday, January 16th, 2010

Buying a car involves a number of costs other than the actual purchase price of the car. One such cost is car insurance. Often people do not consider the cost of insurance when they are searching for a car. Many people do not realize that the price of car insurance will vary from car to car. Because car insurance can be expensive, it is important to understand why it is expensive to insure some cars over others as it can affect the price one pays by hundreds of dollars.

The type of car that you drive affects the price you will pay for auto insurance. Rates are based on a particular car’s make and model. A car with a low loss history will be cheaper to insure. For instance, if you purchase a brand new car that has no record of accident and other damage claims, the rate you pay will usually be based on the manufacturer’s suggested retail price. Then rates will be adjusted on loss history over time

Insurers will also asses such features as horsepower-to-weight ratio and adjust the insurance rate accordingly. The more high performance cars will tend to have higher premiums. As well, the car’s history of vehicle safety will affect premiums. Cars with a good record of safety will have lower auto insurance rates. This is why larger cars and minivans tends to be one of the most least-expensive vehicles to insure. The car repair history, the safety record of the car such as the number of instances of accidents, and size of the car, all are assessed when determining the premiums one will pay.

One of the least expensive cars to insure is the Smart fortwo which is made by Mercedes-Benz. This small two door coupe comes with 71 horsepower engine and has a fuel economy range of 33 mpg in the city. It also has a low collision loss record. The 2009 Hyundai Santa Fe is another car that is cheap to insure. The Highway Loss Data Institute notes that the Santa Fe has a low record of comprehensive insurance loss and low personal injury and collision protection insurance claims.

The following are a list of a few of the least expensive cars to insure: Hyundai Entourage, Hyundai Santa Fe, $832 , Saturn VUE, $911, Chrysler Town and Country, $915, Smart Fortwo, $881, Honda Odyssey, Mazda Tribute, $913, $871, Kia Rio5, $870, Kia Sportage, $840, and Kia Sedona, $857.

Other cheap cars to insure include: GMC Safari, Chrysler PT Cruiser 4dr Wagon, Pontiac Solstice, Pontiac Sunfire 2dr Coupe, Volvo S40 4dr Sedan, Honda Civic, Buick LeSabre, GMC Safari SLE AWD 3dr Minivan, Dodge Caravan SE 4dr Minivan, Ford Taurus (station wagon), Buick Century Special Edition 4dr Sedan, Dakota Quad Cab, Saab 38600 Linear 2.3t 4dr Sport Wagon, Volvo XC90, Saturn L300 1 4dr Sedan, Jeep Liberty Sport 4WD 4dr SUV, and Pontiac Montana.

In this troubled economy, we can all benefit from saving extra cash. If you are on a tight budget and are looking for a new vehicle, choosing a car that has low insurance premiums can save you hundreds of dollars a year.

Due to its convenience, purchasing auto insurance online is gaining popularity in the modern age. In any case, auto insurance is an essential asset for all automotive owners.

Driving And Drivers In Alberta

Sunday, September 13th, 2009

There are over 181,000 kilometers of public roads in Alberta. The Yellowhead Highway (Winnipeg-Edmonton-Prince Rupert-Vancouver) and Highway 2 (USA-Calgary-Red Deer-Edmonton-North Alberta) are the two main roads that serve Alberta. If you are considering making Alberta your home or planning on traveling throughout the province for business or pleasure, you should be aware of the many rules and features associated with driving on Alberta’s roads.

To drive in Alberta, one is required to have a driver’s license. You can apply for a learner’s license from age 14. There are seven classes of license in Alberta. Class 7 is the learner’s license. To obtain a driver’s license, you will not only have to pass a road driving test, but also a vision and written test. Once you have obtained a driver’s license, you are legally mandated to obey all of Alberta’s traffic laws. If you are caught violating traffic laws such as speeding, you will be fined. Alberta Highways have a speed limit of 100 km/h (62 mph). The exception is in the Rocky Mountain National Parks which have speed limits of 90 km/h (56 mph) because of the high number of wildlife crossings the roads. Most rural highways and roads have a speed limit of 80 km/h (50 mph).

It is important to note that infant car seats are mandatory in Alberta. As well, a new law is planned that will ban distracting activities while driving. Distracting activities can include talking on a cell phone, texting, shaving etc. Statistics have revealed that “driver error was a factor in 90% of 158,055 Alberta crashes last year.” As well, according to the province’s Transportation Ministry, “rural highways and streets were the site of 70 per cent of the 376 fatal collisions in Alberta last year.”

In Alberta, the Traffic Safety Act and regulations under the Act cover driver training and driver examinations, demerit points, inspections, and commercial vehicles. Alberta requires vehicle safety inspections for all vehicles on the road.

All motor vehicles and trailers in Alberta have to be licensed before they are allowed on the road. As well, all motor vehicles in Alberta must have a public liability insurance policy. The minimum liability insurance in Alberta is $200,000. You are required to have proof of your insurance when registering a vehicle.

Alberta has a Graduated Driver Licensing (GDL) program to license new drivers. The purpose of the program is to help new drivers acquire the skills and experience required for driving a vehicle safely. Driver licenses from all countries are valid in Alberta for up to three months. An International Driving Permit that can be acquired in one’s native country is valid in Alberta for one year.

The Alberta Government recommends that drivers have snow tires when traveling in the province in late fall, winter, or spring. They also suggest that drivers should have anti-freeze, warm clothing, and food and water when crossing through mountain passes. Alberta is a great place to travel by car. It contains diverse scenery such as the Rocky Mountains, Banff National Park, many beautiful open spaces, and much more. When traveling by car in Alberta, it is important to be aware of the province’s driving rules and regulations.

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