Minister Charles Sousa Announces Auto Insurance Premium Roll-Back

Today Ontario Finance Minister Charles Sousa announced that the government intends to introduce legislation that if passed with lower average annual premiums by 15% or $225 per vehicle for safe drivers.

It appears that FSCO will be authorized by legislation to compel insurers to refile rates to achieve the 15% average roll-back.  Although not mentioned, I expect FSCO will be able to make exceptions where a full roll-back could create solvency issues for an insurer.
 
The Minister said there should be an immediate impact but did not say exactly when drivers would see the savings. Based on past roll-backs, it may not be until a driver renews their insurance.

The Minister appeared to link rate roll-backs with fraud prevention initiatives and road safety improvements. FSCO will be provided with expanded powers to investigate fraud and enforce compliance.

FSCO will also be authorized to license and oversea health clinics and practitioners that invoice auto insurers. When asked about regulating the towing industry, the Minister was non-committal.

Finally, the Insurance Act is to be amended to make Superintendent's Guidelines, incorporated by reference in the SABS, to be binding. This proposed amendment appears to specifically address a view expressed by the arbitrator in the Scarlett and Belair decision.

Insurance News - Tuesday, April 30, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Tuesday, April 30, 2013:

• Self-driving cars are going to save lives by removing human error which makes up about 99% of auto fatalities.
• Matheson v. Lewis decision could have an impact on cases where insurers try to deny coverage to occupants of uninsured vehicles.  In this case although the ATV in question  was a “self-propelled implement of husbandry” under the CAIA,which would not have been required to be insured under an automobile policy, the judge still ruled in favour of the plaintiff,
• An interesting human interests story.  An affluent insurance broker by day and blogger by night offers Toronto’s homeless something more meaningful than spare change.
• According to the Toronto Star, Ontario Finance Minister Charles Sousa will announce this morning the government's plan to lower auto insurance premiums by 15% but also to lower the ROE benchmark for insurers when filing for rate changes. So part of the rate reduction is to be in the form of lower profits.
• Another polls also has Ontario Liberals and Progressive Conservatives in a close race. With the NDP falling behind it only reinforces my view that Andrea Horwath will not be forcing an election this spring.

Insurance News - Monday, April 29, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Monday, April 29, 2013:

• Guarantee CEO, Alister Campbell, suggests that Ontario auto insurance regulations and OSFI's capital requirements are contributing to a decline in foreign P&C carriers in Canada.
• The Scarlett and Belair decision is beginning to gain media attention: Accident victim wins challenge to Ontario’s $3,500 minor injury cap.
• Conflicting FSCO arbitration decisions have made the interpretation of what is an "accident" about as clear as mud.
• A number of no-fault auto insurance states are exploring reforms to address fraudulent claims.
• An RSA executive indicates that brokers are still losing market share to direct writers as customers want more web and mobile services but the decline will begin to slow down. 
• Ontario polling numbers all over the map.  Now a Forum Research poll is indicating that Wynne’s Liberals have jumped into a first-place tie with Tories.

Tips To Find The Best Auto Insurance Companies

There are many auto insurance companies in the market which promote themselves as the best auto insurance companies, but actually they are not. To find the best car insurance companies car drivers have to follow these tips.

Tips To Find The Best Auto Insurance Companies

3 Tips To Find The Best Auto Insurance Companies

If you are a new driver you can get advice from the people in the industry. There are many parties like car agents, car dealers, mechanics and car sellers those who are dealing with the companies in regular basis can give you concrete information about choosing auto insurance companies.

Having strong financial stability is the indicator of the best auto insurance companies because if the company doesn't have enough assets, it cannot provide compensation for its clients. Check which insurance company has greater financial position.

You should seek the reputation of insurance companies in the market because cost is not the only factor you should always consider. An auto insurance company with high market reputation handles the customers' claims in a better way than others.

Which Are The Top Rated Auto Insurance Companies?

Another way to find the best auto insurance companies is to justify which auto insurance companies have higher ratings from both customers and independent rating organizations. Independent rating organization like A. M. Best and J. D. Power analysis the auto insurance companies and rate these companies. From their report you will get additional ideas which is the best auto insurance companies.

Getting insured means getting protection not just paying premiums and getting claims. The best auto insurance companies sell not only just the insurance policy but also the protection, value, service and care. Best car insurance companies will be the one that offers the best insurance quote and the best customer service.

How To Choose Best Auto Insurance Companies

Choosing the best auto insurance companies from hundreds of available auto insurance companies is really tough, because when you are searching you will find that all auto insurance companies claim they are the best auto insurance companies in the market. 

You will easily get confused if you go to their website because every car insurance company claims that they have the best quality customer services, the cheapest auto insurance rates, the highest discount programs and the best auto insurance policy which will be fit within your budget. 

Customers fall into the trap of numerous glamorous advertisements of auto insurance companies which often leads them to the wrong auto insurance companies. If you face these problems then how can you choose the best auto insurance companies within your budget?

To find the best auto insurance companies you have to compare car insurance companies, consider some facts about them and follow few simple tips.

The best auto insurance company is an approximate term because it can be either cheap auto insurance or the right auto insurance within your budget. Some drivers think cheap car insurance companies are the best car insurance companies, but cheap car insurance policy can be a frustrating if your claims do not get approved. Also auto insurance with high premiums cannot be always the best because you may pay for unnecessary coverage. 

The best auto insurance companies could be such companies which provide cheap car insurance within your budget without any hassle, have quality customer service and have a strong financial position. These are the main criteria to choose the best auto insurance companies.

Compare Auto Insurance Quotes Online

It is the best and easiest way to check which auto insurance companies are best. Go to individual auto insurance companies’ websites and collect the quotes by giving your personal information, driving records and vehicle information. Compare car insurance quotes and choose which insurance company offers cheaper auto insurance rates than others.

Which Auto Insurance Companies Have High Quality Services and Greater Customer Satisfaction

Though every auto insurance company advertises that their services are high quality, you have to check by following these steps.

Step 1. Review Customers Testimonial Page: every auto insurance company has a testimonial page where customers write reviews about the services of this company and how satisfy they are. Search as many companies testimonial page as you can and you will get the basic idea about service quality and how is the customer satisfaction.

Step 2. Ask, ask and Ask: ask people around you who have insurance policy already from different auto insurance companies and you will get the real situation about the service quality. Insurance companies may publish only positive reviews because of reputation, but getting information by asking car drivers cannot be deceptive.

Step 3. Get Information from Forums and Community Blog: in a forum you can ask question about which is the best auto insurance companies in your state or country and the forum members will answer and discuss the question. You will get more information from the real insurance policy holders.

No matter how cheap the auto insurance are and how much discount you get from, you will recognize the auto insurance companies as the best which stand beside you when the accident happens and if you feel there is someone on the other side to support you and process your claim as soon as possible.

Insurance News - Thursday, April 25, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Thursday, April 25, 2013:

• Driverless vehicles would be a windfall for households and businesses that acquire them but would probably increase traffic and nationwide fuel usage.
• The U.S. government is urging car makers to curb web apps and electronic gadgets to reduce distracted driving. 
• HowU.S. government Distracted-Driving Guidelines will shape your next smartphone.
• Proposed Texas law would bar uninsured drivers from collecting non-economic damages when they are injured in a crash.
• Why are Ontario Conservatives eager for an election? It's because they have a near-10% lead over the Liberals and NDP.  So don't be surprised when the NDP decide to support the Liberal budget next week, their supporters fear a majority Conservative government.
• Is auto insurance an election-worthy issue outside of Brampton?

Implementing a 15% Reduction In Auto Insurance Premiums

The NDP put forward their motion on March 27th calling upon the government “to direct FSCO (the Financial Services Commission of Ontario) to gradually reduce average, industry-wide, private passenger auto insurance premiums by 15%.”  Just what Ms. Wynne subsequently agreed to do is still a bit vague, and although the motion is non-binding, it does seem certain that some form of autom insurance premium roll-back will be enforced, either legislatively or through FSCO policy over the coming months.  

Standing Committee on General Government - April 17, 2013 - Automobile insurance review

I've provided some highlight of the first day of hearings last week on auto insurance by the Standing Committee on General Government.  Full transcripts are available here.

Collision Industry Information Assistance

John Norris

• Repair shops who become preferred providers of insurance companies are expected to provide labour cost discounts and purchase parts from suppliers selected by insurers and who pay the insurer a fee. Local suppliers are often not used which delays repairs.
• Shops often have no choice but to become preferred providers because of the volume of business that comes from insurance companies.
• Companies that rent repair estimating systems to shop sell the data collected to insurers who use it to identify policyholders who have not reported accidents.  The policyholder is rebilled to reflect a higher risk.
• Cash settlements for physical damage claims are not always used to repair vehicles which means unsafe vehicles are on the road.
• Supports self-regulation of the towing industry.
• Repair shops can also identify fraudulent claims if there was an entity to which they could be reported.

FAIR, the Association of Victims for Accident Insurance Reform

Rhona DesRoches

Tammy Kirkwood

Greg Smith

• Believe that dishonest or corrupt vendors of auto insurer medico-legal assessments or IMEs ought to suffer the same fate as dishonest treatment providers.
• Do not see any difference between opportunistic fraud in the form of falsely inflating the value of a claim by exaggerating injuries and impairments, and the opportunism of falsely deflating the value of a claim by dishonestly trivializing and minimizing serious injuries.
• Propose a three-strikes rule, where if an IME provider has three negative comments about the quality of their reports from arbitrators or judges, they would be denied the ability to continue to provide reports.

Insurance News - Wednesday, April 24, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Wednesday, April 24, 2013:

• Survey shows a prospective customer's age is not always a good way of predicting whether they want to get insurance quotes online. 
• Some courts are now applying a higher level of judicial scrutiny to the role of expert witnesses, particularly in cases involving medical diagnoses. Claims examiners and insurers need to be cautious when retaining experts and make sure that their processes will stand up to review.
• Property and casualty insurers looking to maintain and enhance profitability in 2013 and beyond are advised to adopt a more consumer-centric business model.
• Sentry Insurance announces the release of a mobile version of its risk management solution, Sentry Insight Mobile, which provides a customer-focused way for businesses to receive claims information on any smart phone. 
• A new study from researchers at the Texas Transportation Institute at Texas A&M University found that sending text messages via voice while driving is just as dangerous as texting with fingers.

Standing Committee on General Government - April 15, 2013 - Automobile insurance review

I've provided some highlight of the first day of hearings last week on auto insurance by the Standing Committee on General Government.  Full transcripts are available here.

Financial Services Commission of Ontario

Philip Howell

Tom Golfetto

• With respect to the mediation backlog, all files will be assigned to a mediator by year-end which will eliminate the backlog
• The average accident benefit claim costs are higher in Ontario because maximum benefit levels for comparable accident benefit coverages in other provinces are less generous or unavailable.
• There’s absolutely no question that there is some rate reduction room in the system. It varies quite a lot by company.
• If every company had to cut rates by 15% next year without any corresponding reduction in costs, there would be many companies that would be effectively put out of business or would at least have to go to their investors and ask for a significant infusion of capital in order to remain in business.
• Clarified that the 2010 reforms produced $2 billion in reduced claims cost but not $2 billion in additional profits.

Insurance Bureau of Canada

Ralph Palumbo

Barb Taylor

Joe Cheng

Neil Parkinson

Pete Karageorgos

• Two actuarial reports commissioned by the IBC show that the proposed 15% premium reduction would basically exceed any profits the industry had made and put the industry in a loss situation.
• Claim costs were lower fully by $1.6 billion just on a straightforward calendar-year-to-calendar-year basis between full year 2010 to 2012.
• Underwriting losses were substantially reduced, but not eliminated, to $655 million in 2012 and when you allocate investment income to it, the industry has achieved a small and positive return for 2012: about 3.3%. Effectively, it was break even in 2011 according to KPMG.
• GISA data cannot be used to measure profitability.
• There is an explanation for the difference in claims costs from 2011 and 2012.  JSCP indicates and increase of $300 million and KPMG indicates of drop of $198 million.  JSCP’s calculation is principally driven off premiums and KPMG is driven off capital and claims reserves. So there is a difference in investment income; there are some other differences in allocation and estimates.

 

Independent Brokers Association of Ontario

Rick Orr

Randy Carroll

• Concerned that a 15% rate reduction would make the industry unprofitable and impact on availability similar to what was going on prior to 2010.  Drivers would be forced into the Facility Association.
• Rates have not been coming down because of uncertainty in the market due to lack of progress around changes to the definition of catastrophic impairment and the mediation backlog.  Uncertainty has now increased because of the proposed 15% rate reduction.
• There is a growing risk if the insurance companies continue to buy brokerages and remove the independents from the market.

Ontario Trial Lawyers Association

Andrew Murray

John Karapita

• Should consider using profits to provide better protection to accident victims. The minor injury cap should be increased from $3,500 but if the money in the system is used to reducing premiums then it won’t happen.
• Dispute resolution can be sped up if you improve the ability to fail those mediations where it’s clearly obvious that the dispute is so large or the gap is so wide that it’s not amenable to a mediated resolution.
• Should consider hiring some of the outsourced mediators if they’re working well, to clear through the backlog, and then, having tackled the backlog, keep them on to stay ahead of the wave.
• Provide greater flexibility for those cases where the mediation is not well suited to actually resolving the file with a lump-sum settlement.

Canadian Automobile Association

Elliott Silverstein

Matthew Turack

• From an auto insurance perspective, regulation of the towing industry will not only help further the industry’s image; it will help prevent the tow truck industry from being used by other industries where fraud is already prevalent. Through regulation, the industry would also include a code of conduct, safety standards, training and proper oversight, not to mention consumer protection as well.
• CAA has conducted a pilot of a telematics product and surveyed its participants with an overwhelmingly positive response. The results showed that of those surveyed, 43% would consider enrolling in a telematics-driven product if they received a discount on their auto insurance. Also important to highlight is that 11% of those surveyed would enrol in a telematics program without any incentives or discounts whatsoever.
• We have seen an impact since the reforms in 2010 on the accident benefits side of the business, as well, we’ve also seen a shift, and continue to reserve as such, to the bodily injury side, from accident benefits claims to bodily injury claims.
• If we took a 15% rate reduction in a one-year period of time, it would put us into a negative underwriting profit position and it would mean that we would have very small, if any, returns from the insurance company.

Ontario Rehab Alliance

Laurie Davis

Patricia Howell

Nick Gurevich

Justine Hamilton

• The quantum of benefits seems to be too low. At $3,500, our current system offers the lowest level of protection in Canada to about 80% of all victims who, since the 2010 reforms, are deemed to have sustained a minor injury.
• Would like to see a licensing process for health care facilities that focuses on owns the business that provides the service, because the providers are largely regulated.
• Would like a person to be designated as a clinical director within a practice, and that has to be a regulated provider.
• The $2,000 assessment cap creates a situation where low cost assessments are overcompensated and complex assessments are undercompensated.
• Concerned that when the Task Force recommendations get implemented, additional barriers to access treatment are created because the early recommendations that have been implemented seem to be headed in that direction.

Insurance News - Monday, April 22, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Monday, April 22, 2013:

• A British report has come out suggesting that the UK is the ‘Whiplash Capital of Europe’ with over twice the average of France, Spain and the Netherlands.
• The Texas House gave preliminary approval to levelling a $100 fine to drivers caught texting behind the wheel. However, Gov. Rick Perry, who vetoed a similar bill in 2011.
• The California Department of Motor Vehicles will be seeking public input on possible regulations of the driverless cars.
• Statistics suggest that younger Americans are driving less because they're biking and taking public transit. 
• Finance Minister Charles Sousa announces budget to be presented on May 2nd. He said the budget will not announce any new tax hikes will include funding to expand public transit in Toronto and Hamilton and will move ahead this year with 60 per cent of Drummond Commission's recommendations.  No mention of auto insurance rate reductions but I expect they will be included in the budget.

Insurance News - Sunday, April 21, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Sunday, April 21, 2013:

• Debate is underway in Florida regarding the elimination of no-fault.  No-fault was originally introduced to address fraud so will eliminating it only shift fraud back from 1st party payer to 3rd party payer?
• Ontario Superior Court of Justice rules against the Motor Vehicle Accident Claims Fund after attempt to suspend an uninsured driver's licence for failing to repay the fund.  The judge ruled that when a provincial agency denies a driver's licence to someone who has been through the bankruptcy process and who has "not fulfilled a judgment debt incurred as a result of an automobile accident," this is debt collection and is therefore in violation of the federal Bankruptcy and Insolvency Act.
• Gov. Rick Snyder and Republican leaders want to dump Michigan's unlimited coverage for severe vehicle crash injuries and replace it with a plan limiting auto insurance-funded coverage to $1 million.  The governor promised that the average Michigan family would save $250 a year on auto insurance coverage. 
• It seems that everyone agrees that Ontario drivers pay more for auto insurance than anywhere else in Canada. But that all they agree on as no one agrees on why we pay more.

Affordable Arizona Auto Insurance Quote

What can a car driver do to get affordable Arizona auto insurance quote? Do cheap auto insurance quotes really exist? After reading this post you will get all the necessary ideas and information to find Arizona auto insurance quotes that are affordable.

Arizona Auto Insurance Law

Like every other state Arizona has own set of laws which include that you must have a license for your car, you have the financial ability to run the car and you have to have minimum state required coverage. If you have caught without having state required minimum coverage, you have to compensate $250 to $750 and you may lose your car registration and your driving license if you get caught in an accident without having a basic liability policy. The state’s minimum coverage is 15/30/10 which means minimum $15,000 per individual, minimum $30,000 for an accident and minimum $10,000 for property damage.

Though Arizona State has required minimum coverage many insurance experts in Arizona suggest to have more than these coverage, because you have to bear the expenses beyond the minimum coverage out of your pocket.

How To Get The Affordable Arizona Auto Insurance Quotes?

You can get auto insurance quotes in Arizona in two ways; you can visit individual auto insurance companies available in Arizona or find third party websites which provide auto insurance quotes from different auto insurance companies. It is easy to get insurance quotes from third party websites rather going to insurance companies website individually. To get quotes you have to provide your personal information, your driving license number, zip code and vehicle model and type. They have own database and within 15 minutes you will get your requested car insurance companies quotes. Compare car insurance quotes online and choose the cheap one within your budget.

Where Can You Get The Best Arizona  Auto Insurance Quote?

You can find the best Arizona auto insurance quote on your profile if you compare as many car insurance companies as possible. To get the best one make sure your selected auto insurance company has the license to provide services in Arizona and also listed Arizona department of insurance.

After selecting company visit to its website to confirm your appropriate coverage and customer satisfaction. You should also check how many complaints it has from customers and what other policy holders of this company say about its service quality.

Tips To Get Lower Arizona Auto Insurance Quote

By raising deductibles you can save money on auto insurance policy. Just make sure you can cover the deductible amount.

You can lower your insurance rates by avoiding unnecessary coverage. Auto insurance companies set the insurance coverage as a package and sometimes drivers have to pay extra money for nothing.

Many auto insurance companies provide discounts if the drivers attend driver’s safety courses. Ask your agent whether the company offers discounts on safety courses or not. The Arizona National Safety Council offers AZ residents courses in defensive driving. Taking such courses can save you a handsome money.

Install few safety devices in your car which may reduce the insurance prices. Also mentioning the occupation to insurance companies in Arizona will help to get lower auto insurance quotes.

Getting an Arizona auto insurance quote that is cheaper from top auto insurance companies can be easy if car drivers follow these ideas.

Arizona Auto Insurance Companies

There are many auto insurance companies those provide services in Arizona, but not all of them are cheap and good for you. Car drivers may want to find auto insurance companies for two reasons; either they have bought new cars or want to switch to another car insurance company. Those who have just bought new cars may have little information about auto insurance and have to select carefully the best auto insurance company for them. Car drivers who have bought insurance policy have to search extra benefits and facilities the auto insurance companies in Arizona State provide for. In Arizona like other states has some auto insurance laws and insurance holders have to follow them.

Why You Need To Search Auto Insurance Companies In Arizona?

To find the cheapest car insurance quotes in Arizona you have to search the available auto insurance companies in your state. If you go to one insurance company and buy an auto insurance policy from them, there is little chance your policy would be the cheapest one. Suppose you have 10 car insurance companies available in Arizona and to get the cheaper one you have to collect auto insurance quotes from all of them and compare auto insurance companies.

What Are The Auto Insurance Companies Available In Arizona State?

There are almost more than 20 auto insurance companies in Arizona State. Among them the top Arizona auto insurance companies are SafeAuto, Titan Insurance, Nationwide, GEICO, AmicaCoverage, Phoenix, StateFarm, Allstate, Infinity, Arizona auto insurance, Farmer’s insurance and American Family Mutual insurance.

Which Arizona Auto Insurance Companies Have The Highest Market Share?

Auto insurance industry in Arizona is very competitive and among the above auto insurance companies available in Arizona State, there are 3 car insurance companies which cover highest percentage of market share. These companies are:

1. State Farm

2. American Family Mutual Insurance Company

3. Farmer’s Insurance

What Factors You Should Consider Before Rating Car Insurance Companies In Arizona?

Having a large market share with reputation doesn't mean this auto insurance company is best. There are several factors by which you can justify which one is top rated and will be best for you. The first factor is which company offers enough and perfect coverage because unnecessary coverage just costs you extra money. The second factor is which auto insurance company has the highest customer satisfaction and the third factor is which auto insurance company is cheaper and offering lower premiums. 

In order to find auto insurance quote Arizona, you have to search car insurance companies available in Arizona State, request auto insurance rates and compare the car insurance companies to get the best auto insurance company in Arizona.

Mechanic Training!! Keeping Up With Technology!!!

Mechanic Training




It is no lie that the automotive sector is an area in which technology moves fast. New models of car roll off production lines around the world, equipped with technological upgrades almost daily. This creates a constant skills gap between technology and the Mechanics skill levels. 'Mechanic training' is key to narrowing this gap before the gap gets too great. 

As a

Cheap Auto Insurance Quotes In Arizona- How To Pay Less Premium

Looking for  cheap auto insurance quotes in Arizona? Paying a high auto premium? How to pay less premium? How to find the cheapest car insurance rates in Arizona?

After reading this post you will find the answers to these questions and you will be able to find cheap auto insurance in Arizona with lower price. Getting cheap auto insurance is a dream to many car drivers, but you will be surprised to know that there are yet many auto insurance companies USA which offer cheaper car insurance than others in the state of Arizona.

Basic liability policy is must get auto insurance policy that you have to pay the least amount to insure. This basic liability policy that is termed as 15/30/10 liability and according to the law of Arizona, you have to pay this premium. Under this policy, the individual injured in an accident with your car will be given by the liability policy at maximum $15,000 as medical bill's coverage and the people who is injured in the other car during the accident will be given the maximum $30,000 by the policy as medical coverage. The policy will  also pay $10,000 as property damage because of your vehicle during the accident.

Basic liability policy is cheaper than other car insurance and more or less safe to drive that the police won’t stop you and if the police stop, you can show your insurance policy as proof. But having this type of policy there are few risks involve with this insurance. This policy won’t pay anything for the repair of your vehicle after the accident and for the passengers in your vehicle injured the accident. If the medical bills are far greater than your policy, you have to pay the difference from your pocket.

How To Reduce Auto Insurance Premium In Arizona Because Of The Profession

Many car drivers may not know that their auto insurance may be the subject of discount because of their professions. If you do not follow these auto insurance companies which have scope of discount on the basis of professions, you will lose money and will be getting higher Arizona auto insurance.

Arizona auto insurance can be cheaper for the people who have stress free professions, because lower stress has enormous impact on the car accident which we all know. Professionals have the knowledge about minimum safety training because these are the part of success and they follow the safety features even in the transport because of corporate habits. Following these crucial factors lower the chance of accidents and even a person who is not involved with any profession may have the chance to get cheap auto insurance quotes if he or she adopt with these rules.Simply what the Arizona auto insurance companies check is that you have a lower chance of accident and you have the enough knowledge about driving safety features.

Simply what the Arizona auto insurance companies check is that you have a lower chance of accident and you have the enough knowledge about driving safety features.

How To Find The Best Auto Insurance Companies In Arizona

To find the cheapest auto insurance companies in Arizona you will have to request as many car insurance rates as possible from auto insurance companies available in Arizona. Remember that the top auto insurance companies in the USA may not provide insurance services in all states, so better check what are auto insurance companies are available and active in Arizona. You have to provide few personal information about you and your vehicle and after receiving details companies will give auto insurance quotes within few minutes. Compare all the auto insurance companies and their rates and choose the lower one which also cover your requirements.

  

Insurance News - Thursday, April 18, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Thursday, April 18, 2013: 

• This Globe article on abuses by towing companies makes a case for regulating the towing industry which happens to be a recommendation of the Auto Insurance Anti-Fraud Task Force.
• Credit score insurance screening under review in New Brunswick where the consumer advocates wants a ban on using credit scores to set insurance premiums.
• A study indicates that married men lie about car accidents, tickets more than their wives.
• Hudak's Progressive Conservatives insist they have a specific and tested four-point plan for lowering Ontario auto insurance rates: eliminating red tape for insurance providers, reforming the industry’s dispute resolution process, fighting insurance fraud and increasing accountability of insurance companies.
• Legislation to overhaul North Carolina's auto insurance rate approval system was rejected by a House committee as the insurance industry was divided on the proposal to allow for individual company rate approval submissions instead of a combined industry submission to the North Carolina Rate Bureau. 
• A driving study conducted by the Virginia Tech Transportation Institute says that fatigue is a cause of 20 percent of car crashes, rather than the two or three percent previously estimated based on surveys, simulator studies and test tracks.
  
  
  Read more here: http://www.charlotteobserver.com/2013/04/16/3985815/nc-auto-insurance-overhaul-proposal.html#storylink=cpy

DPF Regeneration Instructions And How To Keep Your DPF Healthy!

DPF 


Your car is fitted with a DPF (Diesel Particulate Filter) and you have heard a lot of stories about expensive repair bills, regenerations and additives... So you look on the internet for how you keep your DPF healthy and how 'DPF Regeneration' is performed!! Good news.... Its not all doom and gloom when it comes to your DPF





Firstly, what is DPF regeneration?




Well to best answer

Insurance News - Tuesday, April 16, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Tuesday, April 16, 2013:

• In the U.S. texting while driving penalties harshest in Alaska (maximum penalty for a first offense is a $10,000 fine and a one-year prison sentence) and weakest in Virginia ($20).
• How big of a problem is distracted driving? The OPP says distracted driving is a factor in more fatalities than impaired driving.
• What impact with Google Inc (GOOG)’s robotic car have on auto insurance?
• Allstate in the U.S. introduces an iPhone and Android app for usage-based insurance.
• The Canadian Underwriter has an article on  over-inflated charges for assistive devices costing industry a lot of money.  Except the problem was addressed by Anti-Fraud Task Force and FSCO in 2012 with the Cost of Goods Guideline. 
• AAA study on what it costs to drive a car in the U.S. suggests that the average cost for sedans is $9,122 yearly or 60.8 cents/mile.

Used Car Warranty!! Is It Worth It?

If you have just took out a 'Used Car Warranty' you may want to hit the back button on your browser... This may hurt a little bit!

It has become a regular occurrence at the Garage. The customer drops of their car explains the fault, then as they are about to leave they mention that they took out a 'Used Car Warranty'. This then usually leads to the customer asking if the fault will be covered by

List Of Car Insurance Companies In USA

There is our list of car insurance companies in the USA. To find the best cheap car insurance, drivers have to shop around and compare car insurance quotes collected from different auto insurance companies.

Why Car Drivers Need The List Of Auto Insurance Companies

To check what auto insurance companies are available in their state, car drivers need to visit the websites or local offices of these insurance companies. Because drivers may find the selected car insurance companies is out of service or have no business in their states.

To get cheaper car insurance, auto drivers need the list because they cannot be sure that they are going to buy  the cheapest auto insurance if they select only one insurance company to shop. If drivers get car insurance rates from  as many companies as possible, they can compare car insurance companies and buy the best ones that are cheap.

To get the options, because if car drivers have any problem with their current auto insurance companies, they can switch to another one.

The List Of Car Insurance Companies In USA

                                     

  1. Progressive

Progressive auto insurance is one of the popular car insurance company in USA. People use to refer Pregressive because you can save money in various ways and they reward their loyal and potential customers. Their payment is flexible and the customers can choose and change the due date anytime.

  2. Liberty Mutual

  3. GEICO

  4. Allstate

  5. Nationwide

  6. Esurance.com

  7. 21st Century

  8. Mercury

  9. Farmers

10. USAA

11. AmericanFamily

12. AmericanNational

13. Amica

14. AAA – American Automobile Association

15. Auto-Owners

16. Travelers

17. State Farm

18. The General – Auto Insurance

19. MetLife

20. Safe Auto Insurance

21. Conseco

22. Direct General

23. Eastwood

24. Encompass

25. Erie

26. Allianz

27. GMAC

28. Hanover

29. Hartford

30. Safeco

31. Sentry

32. Western Auto Insurance

Among these auto insurance companies there are the best five car insurance companies in USA. If you really want to buy the cheap car insurance and want to find which is the top rated car insurance company, search and go to these website and compare the insurance rates. 

Insurance News - Saturday, April 13, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Saturday, April 13, 2013:

• The Ontario legislature's Standing Committee on General Government returns to auto insurance hearings on Monday and Wednesday.  I had erred on a previous that the hearings were in May.
• Presentations for Monday are found here and presentation for Wednesday can be found here.
• In advance of the committee hearings, the IBC has released two industry audits it had commissioned which shows that return on equity for Ontario private passenger auto insurance was between 3.3% and 4.9% last year.

5 Tips To Get Cheap Car Insurance For Young Drivers

Getting cheap car insurance for young drivers in not easy and many parents worry about it. Many parents buy expensive car insurance for young drivers because of proper knowledge. Apart from the riskiness of teen drivers, following these 5 tips you will be able to find cheap car insurance.

Tips To Get Cheap Car Insurance For Young Drivers

1. Installing Safety Features

Auto insurance companies may first check how safe the car the young driver is driving. Having many safety features in the car is considered to get car insurance that is cheap. Install anti-theft device in your car and try to install other safety device. This is the easiest way to reduce your insurance rates.

2. Having A Good Student Discount

Another way to find cheap car insurance for young drivers is having a good score in class. Auto insurance companies offer discounts for those who have an average B or above in class. Young drivers can get discount and save up to 15% by simply just maintaining good grades in school.

3. Attending Driver Safety Courses

If you don’t have any safety course certificate then attend motor vehicle accident prevention course. Also try to attend other safety courses approved in your state and provide the documents that you successfully complete the courses and you will get cheap auto insurance from the company.

4. Purchasing Low Cost Or Used Vehicles

High performance car usually carries high insurance rates, so avoid buying luxury, sports cars or light cars. If you are going to insure old or used car, car insurance companies may give you the insurance policy that re cheap.

5. Considering Higher Deductibles

If your insurance has a higher deductible, you can lower the insurance rates, but you may have to pay more expense after the accident.

Cheap Car Insurance Company For Young Drivers

Among the thousands auto insurance companies there are few car insurance companies which offer insurance package  specifically for young drivers. The best auto insurance company for young drivers is Nationwide. Young drivers have an accident and its simple to consider, but this will increase drivers’ insurance rates 25%-30%. If you insure your car with Nationwide, you can save money and don’t have to pay increased rates by it’s accident forgiveness package.

Though getting cheap car insurance for young drivers is tough, but if you follow these tips then you will find the cheapest auto insurance for teen drivers.