Three Things You Didn’t Know About Car Insurance in Ontario

Useful tips for getting affordable car insurance coverage in Ontario

Car insurance in Canada is a big household expense. In fact, car insurance in Canada is more expensive than in many other countries. Ontario’s auto insurance rates are the highest in Canada – drivers pay, on average, more than $170 per month in premiums.

Complicating the issue is the fact that Ontario car insurance rules are not very straightforward. Ontario uses a hybrid combination of tort insurance (one party can sue the other) and no-fault insurance.

With high rates and seemingly arbitrary rules, what little-known facts about car insurance in Ontario might be useful for you? Read on to find out!

Do not take too much insurance (in some cases)

Robust coverage is good, but it comes at a cost. Think about your risks and insure accordingly. By law, your insurance policy has $200,000 in 3rd party liability, but it is recommended that you carry more than that. Aim for $1,000,000 at least; $2,000,000 is better. If somebody decides to sue you, costs can add up very quickly.

At the same time, however, it is not always necessary to get comprehensive coverage. For example, if you have an older car, you might decide not to get this coverage. Skipping comprehensive coverage on an older car could reduce your monthly insurance premiums.

On a new or leased vehicle, comprehensive coverage is usually a requirement.

Old car coverage can go UP! Classic car insurance rates in Ontario

The older your car, the less value it has, right? In most cases, but not always. There are two scenarios when older cars will have higher rates than new vehicles.

First, some older models of vehicles will be more expensive to insure because some models have a terrible insurance history. For example, they are prone to theft, so insuring them is risky.

Second, at some age (typically 20+ years) cars can be considered classic or antique vehicles, resulting in a special type of insurance coverage, such as classic car insurance or antique auto insurance. Only a few companies offer these types of car insurance in Ontario and, depending on your car and your driving habits (year-long vs. summer months only) car protection rates can be more expensive than mainstream vehicles.

Car insurance and rental cars

Many people are confused about rental vehicle insurance. You may think the insurance attached to your credit card is enough, but it’s not. It doesn’t cover 3rd party liability or damages to other people’s property. You also have to watch out for the rental agency’s collision damage waiver, which may not cover all the costs associated with an accident.

The best approach is to make sure that you have your own car insurance (if you have your own car), and to ensure that it also extends to rental cars – many insurers do that. If you don’t have this extension on your insurance, you can, for approximately $20 per year, buy a rider for your policy that covers rental cars. It is worth the cost since you’ll pay between $15-$20 per day for the same coverage from the rental agency.

Adventure in Darjeeling

Darjeeling, “the Land of the Celestial Thunderbolt”, is one of the most beautiful hill stations in India. A major attraction of the Darjeeling in the northern Bengal is the glory of nature at its best at its changing faces in different seasons.

The most attractive way to travel to Darjeeling from Siliguri is by the “Toy Train”, officially known as the Darjeeling Himalayan Railway (DHR). The narrow gauge train gasps its way up from the railhead at New Jalpaiguri to Darjeeling, 2134 m above sea level. This train is honoured with UNESCO World Heritage Status and is a family adventure traveller’ favourite. The Darjeeling region has the distinction of offering a breathtaking view of four mountain peaks – the Everest, Kanchendzonga, Makalu and Lhotse.

Important highways in Darjeeling are the Hill Cart Road, The Mall and Laden Road, of which The Mall is the hub of Darjeeling. You can enjoy pony rides round the chowrasta sightseeing the colourful market of the city. The Yoga Choeling Monastery in the city has murals of Buddhist deities and beautiful frescoes in the prayer hall.

At North Point in the north west corner of the Darjeeling, you can experience the cable car (it is also India’s first passenger rope way) connecting the town to Singla Bazaar.

With your family inside the cable car, you can enjoy those few hour long journey which provides a magnificent view of the mountains and the tea gardens of Darjeeling. The Himalayan Mountaineering Museum at Birch Hill has a fascinating contour model of the Himalayan peaks. This model will surely tempt you to trek the adventurous Himalayas. The Himalayan Zoo located adjacent to it is also famous for its high altitude animals like Siberian tigers, snow leopards and red pandas.

The Tiger Hill offers spectacular views of the mighty Everest and other peaks of the Eastern Himalayan Range as they catch the first rays of the Sun. Photographers who love the nature can take a pre dawn drive to Tiger Hill which takes 45 minutes in a jeep from Darjeeling.

To the west of Tiger Hill lies a lovely mountain lake called “Senchal Lake” which attracts lots of tourists for its picturesque beauty of water and blue sky. If you are fortunate to visit Darjeeling during plucking seasons (from April to November), the Happy Valley Tea Estate, just beyond the town is a pleasant tea garden to spend your vacations, sipping those world class tea.

Darjeeling Tea had such a premium value in the European and US markets that it was soon considered to be one of the finest teas in the world in terms of its aroma and delicacy of taste. Hence, Darjeeling Tea has been named as “Champagne of the East”. The Darjeeling Gurkha Hill Council (DGCH) Tourism introduced Special “Tea Garden Tour” from Darjeeling – Hima Falls-Marybong Tea Estate-Chongtong-Bijanbari within 6 hours tour package.
Try out the One-day Treks at Tiger Hill-Bara Durpin and back (6 km, 2.5 hr journey) or Tiger Hill – Sonada via Chatakpur, back to Darjeeling by Bus (15 km, 5.5 hr journey). For longer treks, you can try out the Himalayan Experience (8 days indicative) or the Singalila Trek (8 days). Other Adventures are Mountain Biking at Darjeeling-Kurseong-Darjeeling and river rafting on the Teesta/Rangeet

Compare Cheap Car Insurance Quotes Online

The main reason you need to go on the net to rate shop is simple. First, many carriers that market their coverage on-line have direct insurance prices. This means they have a business model that excludes expensive brokers and sell polices directly to consumers. This is good news for money savers like yourself. Usually, you can find direct automobile insurance quotes that are 10% to even 15% lower than calling up an agent. The second reason why you should check web quotes is the ability to compare multiple rates super fast. You can apply at the website, and if you have any questions, a helpful representative is available to assist you anytime.

Before you go and start getting quoted, there are a couple of basic things you need to do beforehand. Get all of your personal and vehicle information together. This means the year, make model of your car and the VIN or vehicle identification number. You’ll also need the name of your current insurer, home address and with some insurers, your license number. Once you have this important info ready to go, getting online car insurance quotes to compare will only take a few minutes.

Don’t Feel Bad About Switching Car Insurance Companies

So many people feel guilty about changing automobile insurers. This is not some legal contract that bounds you to one insurer forever. The truth is, your policy can be canceled by the insurer at any time for many reasons like a DUI offense. So you need to have the same mindset and if you find a lower rate, do not hesitate to switch carriers. After all, you work hard for your money and have the right to change car insurance companies any time you want to. One frequent excuse for not switching; is people falsely believe they won’t get refunded their pre-paid premiums. This is not true at all. If you’ve made a years payment in full on policy and want to switch after six months, you will get a full refund. Try a free online quoting site and if you can save more than $100 per year on coverage, it is probably worth it to change providers.

Remember that comparing car insurance quotes online is totally free and you have no obligation at all to buy a policy. You only need to fill out a few minutes of personal information to get matched with the lowest rates for the type of coverage you need. One quick tip; Always do business with carriers that have a B or higher A.M. Best insurance rating. This is super important because the last things you need is for your auto insurer to go belly up and not be able to pay a claim. Just like in any other industry, insurance firms get badly managed and go out of business all the time. There are lots of sad stories out there of people not getting paid on very serious claims because the insurer went bankrupt.