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Allison
Wed Aug 10 04:20:10 2016


This bird has one mean, deadly kick and scientists are fascinated by it If your car is getting up there in age, you may want to think about dropping the collision coverage on your policy You need to think about this one though - it's not always a clear-cut decision You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles.

Get a quote Coverage Making a Claim Earn PC points Terms and Conditions Auto insurance is the wild west of compulsory services.

According to quotes obtained Tuesday from kanetixca, a 20-year-old male in Winnipeg with a clean driving record would pay $1,396 driving a 2008 Honda Civic DX two-door coupe for pleasure (not to commute to school or work) and compiling 15,000 km/year In Calgary, that same driver would pay between $2,973 and  $3,789 In Toronto, the bill would range from $4,239 to $9,270  – an increase of 664 per cent.

Consequently, individuals in the 16-to-24 group pay more, even if they’ve never been involved in an accident or received a ticket for a traffic violation Essentially, young men are deemed guilty until proven innocent – at age 25 “You are being prejudged,” says Dasko “It’s the last legal form of discrimination.
Standard rates apply to every driver, regardless of age or gender Auto insurance is much less expensive for a 20-year-old full-time student in Winnipeg driving the same car as his counterparts in Toronto, Montreal and Calgary The private insurance industry defends the actuarial approach “It’s not discriminatory,” says Pete Karageorgos, manager of consumer and industry relations for the Insurance Bureau of Canada.

It’s like charging more for house insurance in a high-risk neighbourhood I think people have accepted this In a public auto insurance system, young drivers are subsidized In Ontario, young drivers pay rates that reflect their actual risk.

Drivers aged 16 to 24 represent 13 per cent of the driving population, but account for 24 per cent of fatalities and 26 per cent of serious injuries The question is whether Ontario’s steep insurance charges for young drivers accurately reflect actuarial data State Firm Insurance spokesman John Bordignon says Toronto is a “special case”: “It’s got the highest population density, the worst roads, and a high rate of theft The costs reflect those risks.

Ontario’s industry is made up of more than 100 private companies that are overseen by a government agency called the Financial Services Commission of Ontario Revenue comes from two sources – insurance premiums, and the money insurers make by investing the money consumers give them Private insurers say that their system has the built-in advantage of competition: “If you’re not satisfied with your insurer, you can go shop around,” says Karageorgos “With government insurance, there’s no choice.

” Not everyone agrees The Consumers Association of Canada (CAC) deems private auto insurance to be one of the biggest rip-offs that Canadians face After studying the industry for years, CAC concluded that a properly run public insurance system was the best choice, but found itself locked into a debilitating public relations battle with the private industry “There are some things that should be run by private industry,” says CAC president Bruce Cran “And there are others that should be in the hands of government.

” Cran says that excessive insurance charges affect everyone, not just drivers: “The costs run through the entire economy,” he says “Everything you buy, every last piece of bread you eat, is carried in a vehicle that has to be insured So we all pay, whether we have a car or not” The CAC’s investigation of the insurance industry yielded interesting insights into the way it operates, and why costs are so high.

This practice had a direct impact on consumers – instead of hunting for the best price for their customers, brokers sold the policy that offered them the highest commission A public auto insurance system can offer fundamental business advantages Most important, a public system reduces overhead costs – instead of multiple companies, each with its own head office, computer systems, etc, there is just one, which cuts duplication and creates efficiencies of scale Other significant savings include profit margin (public insurance systems don’t have to pay dividends to shareholders) and advertising – public systems don’t have to budget for TV spots and a talking gecko Public insurance plans can also control costs more effectively – body shops, medical clinics and towing companies must comply with rates set by the public plan, which wields monopoly power over suppliers Ontario’s private insurers, on the other hand, face ongoing problems with gouging and fraud.
S health care, the debate over private and public auto insurance has been cast along ideological lines that obscure underlying economic realities Ontario’s private insurance firms admit that rates here are the highest, yet insist that theirs is the superior business model CROSS-CANADA PREMIUM QUOTES Using the website kanetix.
We listed him as principal driver, clean record, living at home, using a 2008 Honda Civic DX two-door coupe for pleasure (not to commute to school or work) and compiling 15,000 km/year Deductible was $500 for collision and comprehensive, with $1-million liability The site harvests quotes from different companies, but those companies do not necessarily quote for all cities; the Canada Vehicle Association does not sell service in Montreal The Manitoba rate was obtained directly from a dedicated website *Kanetix provides a “lowest rate” but does not identify it until the consumer calls for a quote If you have questions about driving or car maintenance, please contact our experts at.

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What the above facts help illustrate is that, quite simply, Toronto is a big, busy city with lots of cars on the road This translates to lots of driving and lots of traffic congestion, which can lead to accidents - especially multi-vehicle accidents Accident forgiveness coverage protects your driving record and rate increases in the event of an “at-fault” loss.

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