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If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) included on your policy. Before jumping at this tip though, you need to think about this one - it s not always a clear-cut decision. You need to weigh the cost of the two coverages with the value of your car and your deductibles. For example, if you had a 10-year-old car that s worth about $1000, and your deductible was $1000, the coverage is not actually going to help you. Ask about discounts credit pacific service union

Most insurance companies offer discounts. The more common discounts include the: credit first service union

• Multi-vehicle discount - available if you insure multiple vehicles with the same insurer card credit mobile service

• Multi-line discount - available if you insure your home and auto with the same insurer card credit discover service

• Good driver discount - if you have not had an accident or ticket in a long time credit public service union

• Safe driver discount - if you ve taken and passed an accredited driver safety course card credit processing service

• Anti-theft discount - if your vehicle has certain anti-theft devices installed center credit service union

• Safe vehicle discount - if your vehicle has certain extra safety features card credit service wireless

• Retiree discount - if you ve reached a certain age, usually 50 or 55 credit security service union

• Low mileage discount - if your vehicle is not driven often credit report service

• Occupational discount - if you work in a certain field or hold a certain degree blogspot com christian

• Auto club discount - if you are a member of an auto club, like CAA christian counseling credit

While the availability of discounts will vary depending on your insurer, where you live and whether you meet the eligibility requirements, asking about them could save you money. Drive safely credit federal service union

OK, this last one is obvious but true. Driver s with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is a key factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than perfect driving record, you can find yourself paying much higher insurance premiums over the years. credit monitoring service

Gas-saving tips list compiled from information found on the websites for Natural Resources Canada, GasBuddy.com, the U.S. Department of Energy and the U.S. Environmental Protection Agency. credit division service

We ve compiled the information we found through research in the following handy Q A format. What does impaired driving mean card credit online service

Impaired driving is most widely known as driving while under the influence of alcohol or drugs. However, many people don t realize it also can mean driving while being sleep deprived too. If you are impaired, you can be convicted of several offences under the Criminal Code of Canada. Your vehicle does not even have to be moving; you can be charged if you are impaired behind the wheel, even if you have not started to drive. What is my Blood Alcohol Concentration (or BAC) and how do breathalyzers work consumer counseling credit inc

The term Blood Alcohol Concentration refers to the amount of alcohol in your blood. In Canada, BAC is usually expressed as the weight of alcohol in a given volume of blood. BAC can easily be measured in your breath by using a breathalyzer. When you ve consumed alcohol, alcohol molecules pass into the air in the lungs from your blood. When you blow into a breathalyzer, these alcohol molecules are expelled with the air and the concentration of alcohol in your blood can be measured. This is as accurate as a blood test. What is my maximum allowable BAC card credit fleet service

The maximum legal blood alcohol concentration for fully licensed drivers is 80* milligrams in 100 millilitres of blood (.08). Any more than .08 is against the law. Restrictions for graduated or probationary licensed drivers (G1/G2 in Ontario and Class 7 in other provinces) differ. Most provinces require that new drivers maintain a zero blood alcohol level. Can I be charged with an impaired driving offence if my BAC is below the legal limit card consolidation credit

You can be charged with a criminal offence for driving while impaired by alcohol or drugs, regardless of your BAC. Can I refuse to take a breathalyzer test It is an offence to refuse to take a breathalyzer test. If you refuse, you will be charged under the Criminal Code. The police will also notify the Registrar of Motor Vehicles and your licence will be suspended immediately for 90 days. What happens if I am pulled over for impaired driving or I fail a routine breathalyzer test credit free online report

• An immediate, seven-day licence suspension and seven-day vehicle impoundment credit federal first service

• If convicted, a possible maximum fine of $10, 000 consumer credit service

• For a second conviction, within 10 years of the first, a possible court-ordered licence suspension of up to 10 years center credit family service

So how many people could these new initiatives affect According to the provincial government, on average, there are 2500 convictions for this extreme speeding ticket every year. credit reporting service

Hybrid popularity soars, but will your auto insurance Article Despite Kermit s claim that it is not easy being green, it seems that drivers disagree. Interest in the eco-friendlier automobiles continues to grow, with significant leaps in sales during the last couple of years proving the point. How far have we come Recent reports have highlighted our metamorphosis:

• Hybrid sales totalled less than 1, 000 per year up to 2004 cca credit division service

• Annual sales jumped to 9, 000 in the two-year period between 2004 and 2006 credit free report service

• Trends suggest this number will be blown off the lily pad, because in the first 6 months of 2007 hybrid volumes have already reached about 6500 a 90 per cent increase in volume over the same six months in 2006 card credit customer discover

Fully-charged, it seems drivers are embracing hybrid vehicles. kanetix.ca wondered if these trends were also reflected in the shoppers that visit the kanetix.ca auto insurance quote comparison service. With this in mind, a study of hybrid car insurance shoppers was undertaken. The data comes to us from the collective group of drivers who completed online auto insurance quotes through www.kanetix.ca/auto-insurance. credit repair report service

Well... credit legal repair service

. Originally published in June 2004.The information contained within this article is subject to change. Always speak with your current insurance supplier, or a licensed insurance representative, to answer your specific questions. The information collected and compiled here is intended to simply act as a guide. cic credit monitoring service