Auto Insurance Companies Canada

Most people who move from the UK to Spain will want to purchase a car for their use.

Buying a new car in Spain is a lot cheaper than in the UK. A saving of roughly £1000.00 can be made, depending on the make and model. Cars do not depreciate at the same rate and go down by hundreds rather than thousands over the years. I bought a second hand Hyundai Lantra upon arrival in Spain, and by the time I sold it when I returned to England it was still in very good condition. No doubt the drier weather in Spain helped. The car showrooms do not show as large a choice, and cars are selected from showroom catalogues. The road tax is approx 40 Euros per year. If you buy a used car then in comparison to the price in the UK it will be dearer, but when you come to sell it or trade it in, it will get more. Most cars would come with air conditioning as standard.

The first MOT is required after 4 years and currently costs 38 Euros, with the next MOT two years after. Once a car is over 10 years old an ITV will be needed annually. The MOT centres are called ITV’s and you can only get the car tested at selected ITV’s – “Inspeccion Tecnica de Vehicles”. There are garages which will service your car and do a pre MOT check and then will take your car to the test centre for you. This is useful, as most of the testing you help the tester with. You sit in your car and he will shout out what is required (footbrake on, side lights on etc). A sticker is issued to you which you display on the windscreen, showing when it was tested and when it is due again. You do not get a reminder on this, so the onus is on you.

There are several car insurance companies available, but the most popular with the British people is Linea Direct, who speak in English on the phone and issue the Policy etc in English. The policy must be carried around with you at all times and recently the police are allowing a photostat copy of it. The police also require proof that you have paid for the year’s insurance, so a letter from your bank is required.

If you take a UK registered car into Spain you have a limited time before you have to re-register it in Spain. Also, if your car is right hand drive you may find it rather difficult to get motor insurance for it.

Driving in Spain

Driving is on the right and watch out for traffic lights as they can be on lamp posts at the side of the road, or hung across the middle of the road. Be alert for Spanish drivers approaching roundabouts as they frequently don’t give you the right of way even if you are on it. A lot of toll charges are being implemented, which you can pay for in cash, or by card. Look for the head sign at the toll booth and go to the appropriate lane. Autopista is a motorway, and the Autovia is an often older motorway, or dual carriageway. The maximum speed limit is usually 120 kph – roughly 75 miles per hour – on a motorway, and can vary on dual carriageways.

One of the most dangerous times for UK drivers is when you fill up with petrol and come out of the station to get back on to the road. You have to have your wits about you, and be sure to remember which side of the road you will be driving on.

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Survey – Only 15% of Credit Cards Available At Major Canadian Banks Include Emergency Medical Travel Insurance

Many travelers believe that they are adequately protected by their credit card travel insurance coverage. The truth is, most credit cards provide very little coverage. Those companies that do provide coverage, tend to cover only non-medical emergencies such as common carrier accident, baggage insurance, or rental car collision insurance.

Highlights of Survey

Out of 26 credit cards only 4 offered emergency medical coverage standard.
None of the emergency medical insurance plans cover seniors age 65 or older.
None of the loyalty credit cards collected for free flights offer emergency medical, trip cancellation or trip interruption insurance standard.

A Note on Common Carrier Accident Insurance – The literature we read from the credit cards promoted this coverage as a major benefit. We believe that this is the reason many Canadians mistakenly believe that they have travel medical coverage from their credit card companies. Common carrier Accident insurance only covers your family if an accident occurs while you are on the common carrier (flight, cruise, train, bus, etc.) or while driving a rental car. Additionally, most credit card companies will cover you ONLY if you purchased the tickets (or booked your rental car) with the credit card that offers this coverage. We feel that those consumers should be very careful when relying on travel insurance coverage and need to read the policy in detail before departing on their trip.

Notes from researching credit card travel insurance coverage provided by the major banks credit cards;

TD Canada Trust – VISA

None of the TD Canada Trust Credit Cards offer any form of emergency medical travel insurance, baggage, or rental car collision, or trip cancellation coverage.

Common carrier travel accident insurance is available in various coverage amounts.

RBC Royal Bank – VISA

It is understandable the RBC has the best credit card travel insurance coverage of all of the big banks in Canada. RBC Insurance is a large travel insurance provider to the travel agencies. Therefore, they have better infrastructure to accommodate travel insurance plans as part of its credit card benefits.

That being said, only the preferred credit cards with high annual fees and interest rates offer the emergency medical, trip cancellation and trip interruption coverage standard.

RBC Royal Bank emergency medical travel insurance available on its preferred credit cards do not cover cardholders 65 and over.

CIBC – VISA

Similar to RBC, CIBC only offers emergency medical and trip interruption on its Gold VISA credit card. The big irony is that this is not CIBC’s highly popular Aerogold® Visa card that avid travelers hold to take advantage of loyalty points that can be redeemed for free travel. In fact, the Aerogold® card only offers common carrier accident, baggage, and rental car collision coverage standard.

CIBC’s emergency medical travel insurance available on its Gold credit cards do not cover cardholders 65 and over.

Bank of Montreal – MasterCard

Most disappointingly, Bank of Montreal offers absolutely no travel insurance coverage on any of its cards for free. All travel insurance coverage can be purchased in separate packages on an annual basis. Total comprehensive coverage will cost an additional $159 per year on top of any annual credit card fees. Lesser packages are available for lower costs.

ScotiaBank – VISA

Almost all of Scotiabank’s Visa cards offer absolutely no travel insurance coverage at all. With the exception of the passport gold Visa card, you will need to purchase any additional coverage for your trip.

Scotiabank emergency medical travel insurance available on its passport credit cards does not cover cardholders 65 and over.

Conclusion

We have found in our survey that misleading advertisements made by some credit card companies leave some people to believe that they are fully covered in situations where accidents and tragedies occur on their trips. It is advisable for you to take time to read the terms and conditions of the insurance provided by your credit card company to elicit correct information about the coverage offered by your card issuer

Get the right insurance to cover all your health needs while on your trip. Should you be a casual vacationer or hearty business traveler, make sure you are covered to enjoy ‘peace of mind’ while on your trip. Visit http://www.travelinsurancequotes.ca to purchase your travel insurance online.

Survey conducted July 16, 2007, information gathered from public websites of RBC Royal Bank, CIBC, TD Canada Trust, Bank of Montreal, Scotiabank.

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Driver licensing in Ontario as a newcomer is a fairly straight forward excercise. You are required to apply for an Ontario driver’s licence within 60 days of taking up residence in the province. After 60 days you must hold an Ontario driver’s licence to be able to continue to drive – an International drivers licence will give you a maximum of 12 months though. You must always carry your driver’s license with you.

Ontario operates a Graduated Licensing Program, this is a program designed to allow new drivers more time to gain experience and skills at driving. The two step process takes a minimum of 20 months before new drivers obtain their full drivers privileges.

Depending on Where You Are From and how much driving experience you have, you may or may not have to take a knowledge and road test. If you are from a country or province that Ontario has an exchange agreement with, you must pass a vision test and show acceptable proof of your previous license status and driving experience. To exchange an out of province license you will need to contact a Drivers Examination Centre. Don’t forget you will need to present your out of country/province driver’s license verifying previous driving experience or written confirmation about your previous driving experience from the licensing authorities and there are Fees applicable to the licensing process.

There are 12 different Classes of license in Ontario. Unless you intend to drive a heavy goods vehicle or large passenger vehicles, then you only need to concentrate on classes G & M. Class G is for cars, with G1 & G2 being the applicable levels of the Graduated Licensing Program and Class M is for Motorcycles, again with M1 & M2 for the Graduated Licensing Program.

Vehicle Licensing

All motor vehicles in Ontario must be licensed, insured and maintained, before they are allowed on the road.

To register the vehicle you must buy a vehicle permit and plates and pay an annual vehicle validation fee. The renewal date is based on your birth date; therefore, this will always be the same every year. A renewal form will be mailed to you and you can renew your registration at any Driver & Vehicle Licensing Issuing Office.

If you take your own vehicle to Ontario you have 30 days to register it. If you are looking for a replacement vehicle read the following guide to Buying a Vehicle that provides great information that could save you time, money and trouble!

Another vital service that is available if you are looking to buy a preowned vehicle is to have the vehicle history checked. Several companies can offer this service – more details can be found at the main website linked below in the authors box. For a small fee they will provide a full report on any previous accidents, odometer level, the correct owner/registrant and if there are any other claims against the vehicle ownership. No one needs their vehicle to be repossessed because it has finance against it or find out it has been previously written off!

Vehicle Insurance

It is illegal to operate an uninsured vehicle as all motor vehicles in Ontario must be insured with a minimum $200,000 third party liability insurance policy. You will not be able to register your vehicle without proof of your valid insurance. In Ontario, private companies provide Auto Insurance coverage for all drivers. The main website provides exceptional information on Auto Insurance in Canada and each Province’s individual system.

When driving any vehicle you must always carry the pink liability insurance card for that vehicle. Failure to produce it if asked by the police can lead to a fine of up to $400.00. Make sure you get an up to date no claims certificate from your current insurance company before leaving. Some companies may not recognize your previous history depending upon your nationality and the insurance company you were with before but make sure you bring them anyway. Always photocopy all your original driving documents in the case you have to surrender them – that way you will have the copy for future reference should you ever need to prove your previous history or return to your home nation.

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The Beginnings

State Farm insurance began in 1922, the invention of a man named George J. Mecherle. Mecherle thought that he could come up with a better insurance company than the rest, offering better coverage and great rates. So he did. Something about Mecherle’s vision was right – more than eighty years later, State Farm Insurance is still going strong.

“In just over 80 years, State Farm Insurance Companies® has grown from a small farm mutual auto insurer to one of the world’s largest financial institutions. But despite State Farm’s growth, Mecherle’s original philosophy of insurance coverage at a fair price coupled with fair claim settlement has remained.”

State Farm web site, May 2006

State Farm, Today

With 25 operations centers in 13 zones, these days State Farm employs 79,200 people, including 16,700 plus agents. State Farm actively services 71.6 million insurance policies in the United States and Canada. Many awards have been received by State Farm for their equal opportunity employing methods, and for the number of jobs the company has created. State Farm strives to give back to the community, participating in many programs to further education and safety, including awarding grants and scholarships.

The Future of State Farm

“Our vision for the future is to be the customer’s first and best choice in the products and services we provide. We will continue to be the leader in the insurance industry and we will become a leader in the financial services arena. Our customers’ needs will determine our path. Our values will guide us.”

- State Farm web site, May 2006

What State Farm Offers

State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter’s, and supplemental medical insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any type of policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding an agent simple work.

You can also reach State Farm agents through online insurance quote web sites. This offers you the ability to compare rates from State Farm and from other independent agents or companies. Inquire with the site in question about the companies that will be providing a quote.

“State Farm’s mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.”

- State Farm web site, May 2006

Other Services

Not only does State Farm provide you with quality insurance, but the web site is a wealth of tools and information. A helpful learning center exists online for any who would like to learn more about retirement planning, college planning, savings strategies, prevention and safety, or life stages such as having a baby, marriage, or buying a home. There’s even a “kid’s stuff” section. Consumers can learn about reasons to have car insurance and what insurance policies do for you, and what they can mean in your life.

Trust

State Farm is truly one of the oldest names in insurance, and theirs is a name you can trust. If State Farm did not provide excellent customer service and satisfaction, there’s no way there would still be going strong. Often, it’s much cheaper to buy all your insurance plans through one carrier than through several different companies. State Farm can provide for all your insurance needs, without making you spend a fortune. Isn’t it better to use a company you know you can depend on?

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When you need to find a good company for your auto insurance, there are certain things that you should look for. Affordability, convenience, and coverage are all important factors to consider.

First, you need to find an affordable rate for the actual auto insurance. The down payment should be low enough that you can easily afford it based on your monthly income amount. This down payment should be under $100.00 dollars or less depending on the type of coverage you need. Then the monthly payments or the total premium amount should also be reasonable.

You also need to consider convenience, is there a local office in your area, city, or town. Can you go by and take care of the adjustments you need to make. Furthermore, can you make payments at the local office, or do they have an online site where you can make payments or file claims. All of this is important when choosing a company for your vehicle needs.

Can and will this insurance company provide all the insurance coverage that you and your family need. Maybe you have more than one vehicle or you need full or commercial coverage on one or more of the vehicles. This should all be, asked when you are considering this particular company.

You want to ask all the questions that you need information about when calling around to find the right company. If the sales person or the customer service person is helpful, and courteous then it may not matter if the rates are a little higher. Moreover, if the claims department is quick to respond and handle a claim for you then you may also consider staying with a company instead of looking elsewhere.

You want to shop around and find the best possible company for your needs but you also want to get good total service. Therefore, you may choose a company only to find them lacking in one or more of their departments and wish to change later.

So take your time when considering which company for your auto insurance you want to go with. There is no need to be rushed, into or pressured by a pushy sales person at any insurance company. If you feel you are being, pressured and you, feel uncomfortable it is best to look somewhere else and get what you need instead of what you are, made to take. Hopefully, these tips will help you find a good auto insurance.

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Drivers can save a decent amount of money by comparing automobile insurance rates in Canada. Finding out what factors affect your insurance and how to shop for coverage is the first step to significant savings.

Research insurance rates over the internet or on the phone. Use search engines to find comparison websites or check out the yellow pages for companies that serve your area. One phone call and less than 20 minutes of your time to answer questions and make a few choices can put you on the path to saving money. Get a firm quotation to really get a handle on how much.

Auto insurance rates change based on you, your car and your location. In a few provinces mandatory insurance is issued through the government, such as in Manitoba. Across the country it is the law that all drivers have adequate coverage for property and liability damage. That coverage must be valid at all times. Insurance companies also sell policies that cover drivers well beyond that minimum amount.

If an Alberta driver who is 49 years old drives a 2004 Toyota Sienna, they can expect to pay as low as $1400 and as high as $1700 for insurance. If that driver moved to Ontario and drove a 1999 vehicle, they would save anywhere from $200 to $300 per year.

Your past driving record and the use of your vehicle will also have an effect on the automobile insurance rates in Canada. Using a car or truck for business will result in more distance driven and a higher insurance policy. Also a bad driving record will drive the cost of insurance up and may cause a provider to cancel your policy or refuse further coverage.

Any time you are refused coverage it will have to be reported on subsequent insurance applications. Also any accidents in the last ten years where you were deemed at fault and any claims will need to be disclosed on future applications. Remember to be up front with your record to obtain the most accurate quotation and the best coverage.

Gender is another factor which may increase your auto insurance rates. Whether male or female, if you have taken a driver training course and can provide proof of it, your rates should decrease.

It would seem that Ontario has the highest automobile insurance rates in Canada. An Ontario driver who’s 23 years old and owns a 2006 Chrysler should pay around $1600 annually, while a Quebec driver who’s 19 years old and owns a 2005 Mazda will pay less than $1100 through the same national insurance company. Although other aspects may have affected that comparison, where you live is an important factor in how high your insurance is.

Setting a higher deductible will decrease your annual policy. Also be sure that you are not carrying any excessive or unnecessary coverage. Go over your policy in detail and choose the highest deductible that you are comfortable with. Remember that the annual savings stay in your pocket every year and the higher cost of the deductible is only relevant when a claim is made.

When shopping wisely for automobile insurance rates in Canada, be honest about your record and understand the coverage offered. That will help you to choose the best policy and obtain the lowest rate.

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We all know that as long as you’re driving, you need to have a good insurance to give you sufficient coverage in case of an untoward incident. You must be tired of overpaying every month on your current auto insurance without realizing that you can acquire the cheapest car insurance with the right coverage for you.

Looking at different policies can be overwhelming and we are typically stuck right there in the middle trying to decide which one suits your budget best and of course which one provides you with sufficient coverage. This is the reason why you need to do comparison shopping. Insurance is not something that you can just back out from, it’s a lifelong commitment.

When looking for the cheapest car insurance quotes, you have to compare at least three price quotes. You can do an online comparison or you can call the company directly so you will understand the policy better. It would be of great help if you can read some reviews or join in some forums so you can ask around. People usually let their sentiments out on public forums whether they are satisfied or not. If you’re not an internet-savvy person, you can ask relatives, friends or officemates for any recommendations.

If you want to get the cheapest car insurance and save more, you can opt for a higher deductible. Your premiums can be reduced by hundreds of dollars if you pull off this technique. Why not set aside $500 or $1000 so you can enjoy your monthly savings from paying very expensive premiums.

Another way on how you can get massive discounts is by grouping your policies. Purchase different forms of coverage such as car, home and life from the same provider. You’ll be surprised with how much money you can save by doing so. If the company is not offering savings or discounts on bundled policies, you can always look for another one. You can also ask the company if they offer any low-mileage discounts.

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Are you a tourist in need of a car? When you’re traveling around a foreign city or country, it can get a bit hard to get around without a vehicle. After all, most beautiful destination spots are located far away from the main city.

How to rent a car so you can travel without the hassle of using public transportation? Here are some tips on how you can go about renting a car, wherever you are.

1. Check out Car Rental Companies Online

Make a list of car rental agencies available in your location. Rank them from lowest to highest. Do your research well and make sure the company you choose is reputable.

2. Choosing a Car

What kind of car do you need? A four-wheel drive or an ordinary car? Do you want something new? The model and type of car you want to rent will have an impact on the price. So, make your decision beforehand.

3. Making Deals

Call up the company of your choice or pay them a visit. Talk to them about your schedule and itinerary and bargain for the best price. Also check if they have a partnership with the hotel you’re staying at and arrange pick up and drop off points. Check their insurance policy and watch out for surcharges. Make sure you have all the details covered before you pay anything.

With these three tips, you’ll be well on your way to finding a good car to rent for your trips. Good luck!

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Every year changes are introduced in the tax codes. The sales tax deduction offered to people who buy a new car is offers significant benefits specifically against the gloomy economic backdrop. This will not only help to ease the financial burden of individuals but it would be a great boost for the automobile industry. More people now are opting to search new cars and use it as a tool for tax planning for 2009. The new passenger vehicle is entitled to deduct the state, local sales tax and excise paid on the purchase. The bill was passed in February and has many other useful as well as simple provisions as well as useful provisions.

The salient features

* The new car, light truck, motor home or motorcycle should be bought before 1st January 2010.

* The deduction is applicable only for new car purchase.

* The maximum price should be $49,500

* So if one has a new luxury car costing over $49,500 the relief is only on the first $49,500. So even if the car is costing say $60,000 the tax benefit is available only on the set limit.

This was a good enough reason for individuals to buy a new car and reduce tax burden. It also rejuvenated new car industry and this became an added sales promotion tool besides new car discounts offered by manufacturers and dealerships.

How it works?

The percentage of tax deduction varies from one state to another. So one has to calculate the deduction based upon the state applicable rate. For example the sales tax in California is 9.25%. So when one purchases a new car worth $30,000, the sales tax would be $2,775. This amount of $ 2,775 is deducted from the taxable income for 2009 of that individual. So if one has an annual income of $ 50,000, the new car sales tax of $2,775 would be deducted and one is liable to pay tax on the difference which is $ 47,225. There is a straight reduction in the taxable income. This is being considered as a big benefit over and above new car discounts that one gets on the purchase.

Who qualifies?

This tax benefit or incentive on purchase on new car is available to

* Individual who make less than $125,000

* Couples earning below $250,000 in total.

* For individuals who earn less than $135,000

* It is offered to both itemizes and non-itemizes

This kind of cash incentive is available in the next returns and helps save extra and that may be useful in the next car purchase or to pay up insurance to the car insurance company.

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In most homes, paper causes clutter. And it seems to mysteriously multiply by itself. But just how long do you need to keep all those receipts, bank and credit card statements and other financial papers? Below is a handy reference that you can use for dealing with your home paper trail.

Toss after One Month

ATM and bank deposit/withdrawal slips

·keep in a file folder until monthly statement received

·reconcile with your statement to ensure that charges and payments have been properly processed

·if for major purchase with warranty, staple receipt to the

owner’s manual and file for the term of the warranty

·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy

·if for minor purchase without warranty, shred

Cash purchase receipts

·enter into your chequebook or computer software to ensure that you are accounting for all your purchases

·if for major purchase with warranty, staple to the owner’s manual and file for the term of the warranty

·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy

·if for minor purchase without warranty, shred

Credit card receipts

·keep in file until monthly statement received

·reconcile with your statement to ensure charges and payments have been properly processed

·if for major purchase with warranty, staple to the owner’s manual and file for the term of the warranty

·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy

·if for minor purchase without warranty, shred

Toss after One Calendar Year

Bank/Financial Institution monthly statements (unless needed for home business)

Brokerage/Mutual Fund Statements (Monthly/Quarterly)

·reconcile with your annual statement

Credit card monthly statements

Credit reports

·you should request your credit report annually to ensure that all information is accurate and up-to-date, especially with regard to accounts you have closed in the course of the year

·requesting this file annually helps to prevent identity theft, so you can see who has requested the report and for what purpose

Monthly Mortgage Statements

·reconcile with your annual statement

Pay stubs

·shred after reconciling with your W-2 or 1099 (US) or T4 (Canada)

Telephone/Utility bills

Keep for 7-10 Years

Any T4 Forms – including T4E, etc. (Canada)

Annual Mortgage Statements

Supporting documentation (cancelled cheques/receipts/statements) for tax returns including but not limited to:

·donations

·retirement account contributions

·child care receipts

·alimony/child support paid or received

·medical expenses

·mortgage interest

·property tax payments

W-2 or 1099 Forms (US)

Year End statements from Credit cards (if provided)

Year End statements from utility companies (if provided)

Keep Indefinitely

Adoption Records

Auto/Home/Life Insurance policy information

·keep purchase records for as long as policy is in force

Automobile Records (ownership certificate/registration)

·keep for as long as you own your vehicle

·if annual registration required, keep only current registration paper

Birth Certificates

Business Income Tax returns, and supporting documentation, if self-employed

Death Certificate

Divorce Agreement/Child Custody Court Orders

Investment records clearly showing beneficiary information

·purchase records

·sales records

Marriage Certificate

Medical records

·Immunization records to children

Military records

Pension Plan records

Receipts for major home improvements/renovations

Receipts for major purchases that have long life expectancy (refrigerator, stove, freezer, vehicles)

Religious records

School/Education records

Tax Returns

·In the US, the IRS has 3 years to from the date you file your tax return to examine your return for errors and up to 6 years to audit your return if they suspect that you have underreported your gross income by 25% or more. There is no statute of limitations on an audit when deliberate fraud is suspected.

·In Canada, CRA advises you to keep your tax returns, Notices of Assessment, and all supporting documentation for 6 years from the date of filing your personal income tax return.

NOTE~I recommend keeping these indefinitely because they take up little space and can often be a valuable resource if there is any dispute over such things as income tax paid, child support/alimony paid or received and pension plan benefits.

Will and/or Power of Attorney

·should be kept securely in a fire-proof home safe or safety deposit box at your financial institution

Year End Investment account summaries

Now what?

Now that you know what to keep, where are you supposed to put it all?

Set up a simple home filing system to cover the basics, and invest in a couple of sturdy cardboard or plastic filing boxes for the information you should keep log-term or indefinitely.

And a final caution – when you decide that you no longer need to keep certain documents, make sure you shred them and DO NOT put them in the general trash or recycling. Sensitive financial information or personal information should always be DESTROYED to avoid any chance of identity theft that could lead to headaches greater than you can imagine.

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