Automobile Insurance Notes*

Automobile rates are affected by many things:

Do you use your vehicle just for pleasure? Do you drive to work, or use your car for business? What type of vehicle do you drive – year, make, model and body type? Approximately how many kilometres is the vehicle driven annually? Who will be driving it?	What is the age and driving experience of each driver in the household? Are drivers under age 25 male or female? How much will each be using the vehicle? What is the claims and accident history for each driver in the last six years? What is each driver's conviction record for the last three years? Has any driver in the household had a license suspension or an automobile policy cancelled in the last six years?
Various Premium Discounts Available
Low-mileage car use, graduation from approved driver training courses, two or more vehicles insured for the same household. Retirees with no employment income. Mature drivers over age 50. Loss prevention devices, e.g., car alarms.	If your car is not used in winter, you can suspend third-party liability & collision coverage while the vehicle is stored but maintain accident benefits coverage. Increased deductibles. Policy renewals for long-time, claims-free policyholders.