One of the primary factors affecting auto insurance rates in Calgary is the driver’s perceived risk. Insurance companies are in the business of predicting potential perils; if you’re deemed to pose a higher likelihood of filing a claim, your premiums will be higher than those offered to a driver who is viewed as a lower…
Certain types of contractors, particularly those involved in labor-intensive industries like energy and construction, must carry specialized insurance at all times. Contractors insurance in Alberta is designed to cover liabilities, workers’ compensation and certain inherent risks. While risk insurance is usually optional, liability and worker’s compensation coverage are mandatory. Before you begin to compare contractors…
Traffic citations can have a negative impact on your vehicle insurance in Calgary, and one serious infraction to avoid is failing to react properly when you encounter an emergency vehicle. Being courteous to police cars, fire trucks and ambulances isn’t just better for your financial bottom line; it’s also common courtesy and an essential part…
More than any other single factor, rates for your car insurance in Calgary are determined by your driving record. Drivers with proven track records of safety enjoy lower premiums, while drivers with one or more at-fault accidents must usually pay higher rates for coverage. This is standard in the insurance industry; the less risk you…
If you’ve been in a car accident, it’s important to be diligent, even if you don’t initially seem to have suffered any injuries. In some cases, symptoms will only appear days or weeks later, and in worst-case scenarios, car accident victims wind up in dispute with their insurance companies over benefits because they failed to…
Maintaining good driving habits and avoiding accidents will help keep your Calgary car insurance low. Unfortunately, bad habits are as easy to develop as good ones! Many local drivers have a tendency to follow others too closely, which is a very dangerous practice, especially in the winter. Snow and slick, slippery driving conditions make roads…
Interactions between drivers and pedestrians can be difficult to manage, and in worst-case scenarios, they can be dangerous or downright deadly. While pedestrians need to remain alert and aware of their surroundings at all times while they’re on the streets, drivers also have an important role to play. Predicting pedestrian behaviour is a very important skill, particularly…
The unfortunate fact is that auto theft remains a major problem in Calgary and throughout Alberta, despite the fact that anti-theft devices have been required by law for all vehicles manufactured in Canada since 2007. Having your vehicle stolen could affect your Calgary auto insurance rates. Insurance companies may raise an individual’s premiums after he or she…
Many homeowners simply assume that their valuables are protected from loss or theft by standard clauses in their home insurance policies. In reality, things aren’t always so straightfoward. Consider this story about a Markam, Ontario couple who were the victims of a Christmastime house fire in 2013 as a cautionary tale of what can happen if you aren’t proactive…
Road safety is the shared responsibility of all drivers, but the unfortunate fact is that some people set a better example than others. As part of your commitment to be a safer driver, it’s important to learn to recognize potentially dangerous habits in others. That way, you are better prepared to react properly when you…