Historically known for its uranium mines, Elliot Lake is now known as a beautiful retirement community. Surrounded by numerous lakes, the town offers lots of things for every age group to enjoy, from boating to hiking and even world-class fishing. Elliot Lake offers a variety of lifestyles, and variety is something our brokers at BrokerLink can relate to. BrokerLink is all about finding the right insurance coverage for individual needs. From boat insurance to home insurance and anything in between, we’re here to help customize your policy. Get protection for your business, cottage, motorcycle, car and other valuables too. Call and see how we can bundle your policies and save you money.
It might take a bit of time and work, but in the end you can save yourself a lot of money. Remember that there are so many factors that affect how much you pay, and so much that constantly changes, that you can do this again every so often and again find a better deal if you’re willing to put in the work. Changing companies does not negatively affect your rates.
We know that having a complete vehicle insurance plan in Ontario is important — one that will cover you on our snowy back roads in cottage country to the morning gridlock on the 401. Sometimes in this province you never know what driving conditions you’ll face, which is why you need a comprehensive plan. At PC insurance, we take that very seriously. As a car insurance broker, we shop at up to nine car insurance companies to make sure you get the best rates for your specific driving situation. And we are available 24/7 to help you with any claims.
Sometimes an insurance company will not automatically adjust your rates to match your up to date driving record, and will only do so when your policy needs to be renewed. This is why when you shop around other companies you can usually find a better rate – they are using your most up to date information. You can also occasionally try calling your company and bring up the following:
Car insurance premiums are calculated based on a number of factors that determine the risk of you getting into an accident, and how likely it is that you'll make a claim. These risk factors include your driving and accident history, as well as statistical information such as your age, location and number of years driving. The amount and distance you drive, the type of car you own and whether you live in an urban or rural setting can also affect your premiums.
No consideration of your driving experience: Some insurers will accept the fact that you can buy car insurance (with a newly received Canadian driving licence) but will treat you like somebody who has just got a driving licence and has no driving experience. If you are a young driver in Ontario, your rates can reach $250-$350 per month – not a very attractive scenario!
Those that will continue your driving record: Some companies will consider your previous experience and will offer you a rate based on how long you have been driving, no matter where you got your on-road experience. Check with a broker to see which companies consider previous out-of-Canada experience so you can reduce your chances of a denial and increase your chances of getting the best possible rate.
If you’re driving an older model car in Toronto and not considering purchasing a newer vehicle for a while, investigate the cost of upgrading to anti-lock brakes, air bags, automatic seat belts, installing anti-theft devices or putting in a burglar alarm. Car insurance companies in Toronto often provide discounts for such products or enhancements. If the cost of doing so is favourable versus the long-term savings in your car insurance rate, it’s worth the investment. For older vehicles, it’s also worth considering dropping your Collision coverage to reduce your premiums.
Ajusto is underwritten by The Personal, which refers to The Personal Insurance Company. ® Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by The Personal Insurance Company. The discount does not apply to certain endorsements and additional coverages. Please note that the discount will automatically be applied to the premium at renewal. Ajusto is only available in Ontario and Quebec.
If you drive more than 9,000 km, CAA MyPace may not be for you. When you drive more than 9,000 km on CAA MyPace, you will be charged an administrative fee for each additional 1,000 km increment used. This fee will put you above the price of our traditional Auto Insurance policy so you may wish to discuss options with one of our Agents or your Broker.
Like in the rest of the province of Ontario, the minimum amount of third-party liability coverage required by law in Toronto is $200,000. It is often recommended that this number be significantly higher in order to properly help cover your family — especially in a dense urban centre like Toronto, which is surrounded by 400 series highways — traffic accidents are more common than rural areas.