Comments for Auto Protection http://www.protectionauto.com Auto Protection Wed, 07 Jan 2009 13:40:32 +0000 http://wordpress.org/?v=2.6.3 Comment on How can you keep your car insurance rates as low as possible? by MelyssaSlunt http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-864 MelyssaSlunt Wed, 07 Jan 2009 06:30:59 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-864 Don't use RBC Don’t use RBC

]]> Comment on How can you keep your car insurance rates as low as possible? by TWISTED http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-863 TWISTED Sun, 04 Jan 2009 13:22:38 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-863 Just don't do anything wrong, follow the rules. I haven't got a ticket yet and my insurance is cheap, And i have been driving for only 7 years. Bye the way colour is only for some company's mine could care less. If your looking for cheap insurance put the vehicle under your parents name that always works.They own the car u drive it. Just don’t do anything wrong, follow the rules. I haven’t got a ticket yet and my insurance is cheap, And i have been driving for only 7 years. Bye the way colour is only for some company’s mine could care less. If your looking for cheap insurance put the vehicle under your parents name that always works.They own the car u drive it.

]]> Comment on How can you keep your car insurance rates as low as possible? by Terry R http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-862 Terry R Fri, 02 Jan 2009 01:26:54 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-862 I live in Saskatchewan. The Government here runs auto insurance. Keep a clean record, drive safe, don't hit too many deer or cattle; and they take care of the rest. Simple. When working in Ontario I worked with a large number of immigrants from from the Mid East and and the Old Communist bloc. Here was their solution. Buy a BEATER (no more than $1000.00) Buy a set of plates and share them with your buddies or just steal a set of plates from any car in the mall. THAT'S IT; no registration fees - no insurance fees and no maintenance fees. When the car is totally worn out you get it running again and sell it to next new guy off the boat. This was quite a common practice. I live in Saskatchewan. The Government here runs auto insurance. Keep a clean record, drive safe, don’t hit too many deer or cattle; and they take care of the rest. Simple.
When working in Ontario I worked with a large number of immigrants from from the Mid East and and the Old Communist bloc. Here was their solution. Buy a BEATER (no more than $1000.00) Buy a set of plates and share them with your buddies or just steal a set of plates from any car in the mall. THAT’S IT; no registration fees - no insurance fees and no maintenance fees. When the car is totally worn out you get it running again and sell it to next new guy off the boat. This was quite a common practice.

]]> Comment on How can you keep your car insurance rates as low as possible? by soccergeo http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-861 soccergeo Mon, 29 Dec 2008 16:15:21 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-861 I have had experience in both Canada and the US, where policies and requirements vary quite a bit between countries. In Canada, you are required to have $1 million in liability coverage. In the US, it is structured differently, and can start as low as $10K/10K per person/accident, and $10K property damage (which may not be adequate in a serious accident). Get as much liability coverage as you can afford (at least $100K/100K and $100K). Other than that, my tips on insurance are: 1) Shop around - both through individual name companies, as well as brokers (who can give you quotes from several companies they underwrite for). 2) Type of car - generally, the more expensive, the more it costs to insure. Also, safety features such as anti-lock brakes and anti-theft may give you discounts. 3) Higher deductibles will lower your rates. If the car is old, don't even bother with collision and comprehensive coverage. 4) Umbrella insurance - place your home, multiple cars, and multiple drivers on the same policy. 5) If you are a new driver, completing an approved driving course will lower your rates. Having the certificate will give you discounts for 5 years (?). In the US, I have also noted that you can take a one day driver safety course (if you have been driving for a while, or if you need to get out of a traffic ticket) which allows you to get insurance discounts for 3 years. 6) If you are a student, some insurance companies discount students who excel academically. 7) Students may also get special rates if they go to school away from home (university, etc.). 8) If you can help it, don't use your car to drive to work or school. Your insurance can be lowered if the vehicle is used as a pleasure vehicle only, as opposed to regular use. And for factors that can't be controlled, but should be kept in mind: 8) Age discounts - insurance rates become lower at 18, 25, and 30. Of course, seniors (65+) also get discounts. 9) *** - males pay more than females for auto insurance. I have had experience in both Canada and the US, where policies and requirements vary quite a bit between countries. In Canada, you are required to have $1 million in liability coverage. In the US, it is structured differently, and can start as low as $10K/10K per person/accident, and $10K property damage (which may not be adequate in a serious accident). Get as much liability coverage as you can afford (at least $100K/100K and $100K). Other than that, my tips on insurance are:

1) Shop around - both through individual name companies, as well as brokers (who can give you quotes from several companies they underwrite for).
2) Type of car - generally, the more expensive, the more it costs to insure. Also, safety features such as anti-lock brakes and anti-theft may give you discounts.
3) Higher deductibles will lower your rates. If the car is old, don’t even bother with collision and comprehensive coverage.
4) Umbrella insurance - place your home, multiple cars, and multiple drivers on the same policy.
5) If you are a new driver, completing an approved driving course will lower your rates. Having the certificate will give you discounts for 5 years (?). In the US, I have also noted that you can take a one day driver safety course (if you have been driving for a while, or if you need to get out of a traffic ticket) which allows you to get insurance discounts for 3 years.
6) If you are a student, some insurance companies discount students who excel academically.
7) Students may also get special rates if they go to school away from home (university, etc.). 8) If you can help it, don’t use your car to drive to work or school. Your insurance can be lowered if the vehicle is used as a pleasure vehicle only, as opposed to regular use.

And for factors that can’t be controlled, but should be kept in mind: 8) Age discounts - insurance rates become lower at 18, 25, and 30. Of course, seniors (65+) also get discounts.
9) *** - males pay more than females for auto insurance.

]]> Comment on How can you keep your car insurance rates as low as possible? by Maestro http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-860 Maestro Fri, 26 Dec 2008 12:17:12 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-860 You need to be above a certain age, usually 25 You need to have been on someone else (usually parents) insurance for a while before you get our own. You need to have a car with lower accident rate (avoid honda civics) You need to leave in area that has lower crash rate (small towns instead of big ones) You need a clean driving record So in a nutshell, there are factors u can control (type of car, driving record) and others u just can't (where u live; ur age..) You need to be above a certain age, usually 25

You need to have been on someone else (usually parents) insurance for a while before you get our own.

You need to have a car with lower accident rate (avoid honda civics)

You need to leave in area that has lower crash rate (small towns instead of big ones)

You need a clean driving record

So in a nutshell, there are factors u can control (type of car, driving record) and others u just can’t (where u live; ur age..)

]]> Comment on How can you keep your car insurance rates as low as possible? by adlc58 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-859 adlc58 Fri, 26 Dec 2008 11:50:16 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-859 Keep your driving record clean. Avoid any highway traffic act infractions and accidents. Obey the laws for driving. They are simple, and easy to follow. Do your research on rates by calling several insurance companies before deciding which one is right for you. READ all the fine print so you know exactly what you are covered for in the event of an accident. Keep your driving record clean. Avoid any highway traffic act infractions and accidents. Obey the laws for driving. They are simple, and easy to follow. Do your research on rates by calling several insurance companies before deciding which one is right for you. READ all the fine print so you know exactly what you are covered for in the event of an accident.

]]> Comment on How can you keep your car insurance rates as low as possible? by James B http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-858 James B Tue, 23 Dec 2008 05:20:34 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-858 Dont drive like an ldiot Dont drive like an ldiot

]]> Comment on How can you keep your car insurance rates as low as possible? by Peter Frost http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-857 Peter Frost Tue, 23 Dec 2008 03:20:36 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-857 You can lower your insurance by shopping around to find the best rates, I didn't change a thing except my insurance company and I lowered my insurance by almost 20% You can lower your insurance by shopping around to find the best rates, I didn’t change a thing except my insurance company and I lowered my insurance by almost 20%

]]> Comment on How can you keep your car insurance rates as low as possible? by jeffmrwonderful http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-856 jeffmrwonderful Sun, 21 Dec 2008 08:28:48 +0000 http://www.protectionauto.com/how-can-you-keep-your-car-insurance-rates-as-low-as-possible/#comment-856 I go through Meloche Monnex which I contacted because of word of mouth. I have never seen them advertise. To my knowledge they only insure people who are college graduate. Their rates are lower than most other insurance companies I have researched everytime my insurance comes up for renewal. The thinking I believe is the more responsible you are the lower your rates go. Now I don't expect anyone to go get married or have kids just to lower their insurance rates. Yet if you happen to be going through those stages in life you should contact your insurance company to see if your rates drop. Other responsibility factors could be age (25, 30...etc), owning a home (mortgage??), having a full-time job. I go through Meloche Monnex which I contacted because of word of mouth. I have never seen them advertise. To my knowledge they only insure people who are college graduate. Their rates are lower than most other insurance companies I have researched everytime my insurance comes up for renewal.
The thinking I believe is the more responsible you are the lower your rates go. Now I don’t expect anyone to go get married or have kids just to lower their insurance rates. Yet if you happen to be going through those stages in life you should contact your insurance company to see if your rates drop. Other responsibility factors could be age (25, 30…etc), owning a home (mortgage??), having a full-time job.

]]> Comment on My car warranty says to get my oil changed by the dealer. Is it bad if i go over 3,000 miles between changes? by droopy313 http://www.protectionauto.com/my-car-warranty-says-to-get-my-oil-changed-by-the-dealer-is-it-bad-if-i-go-over-3000-miles-between-changes/#comment-1820 droopy313 Sun, 21 Dec 2008 00:35:49 +0000 http://www.protectionauto.com/my-car-warranty-says-to-get-my-oil-changed-by-the-dealer-is-it-bad-if-i-go-over-3000-miles-between-changes/#comment-1820 My warranty was like that and due to the reason I passed it by a 100 miles or so each month it did not cover my transmission warranty. They just wan an excuse not to pay you for the warranty so I recomend you do it a few miles before and not after. My warranty was like that and due to the reason I passed it by a 100 miles or so each month it did not cover my transmission warranty. They just wan an excuse not to pay you for the warranty so I recomend you do it a few miles before and not after.

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