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First off lets take a look at this website link posted below. This webpage describes what insurance is and how insurance companies work in four bullet points. Before we can discuss insurance we must first understand how it works -
1. Premiums - A premium is the rate a customer pays per year for on their insured vehicle(s) .A Premium is based upon how much money an insurance company thinks they will need to pay for the coming year’s claims.
2. Insurance companines then compile their customers premiums into a pool.
3. This pool of premiums is then used to pay for the losses of the people who make claims within that year.

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​​​Insurers use a pool of many premiums to pay for the home, auto and business losses of Canadians unfortunate enough to experience a loss. You are covered for losses outlined in your contract only, not for predictable events.

​4 Steps in the Insurance Process

1. Your insurance company estimates an annual cost or premium to accept the risk of covering your home, business or car. Premiums are based on how much money insurance companies think they will need to pay for the coming year's claims.

2. On a monthly or annual basis, you pay a premium to your insurer for assuming this risk on your behalf.

3. Your insurance company puts all premiums into one large pool. Your insurance is an annual contract, so the pool operates for only one year at a time.

4. Your insurance company uses the pool of many premiums to pay for the losses of the few who make claims in that year.

​What Happens After a Major Loss?

Insurance companies manage the pool of premiums to ensure there is sufficient funding available in the event of a large claims situation.

An example of this could be multiple claims after a natural disaster such as the massive 2013 flooding in Alberta for which claims are still being estimated and paid. The 1998 ice storm that hit parts of Ontario, Quebec and New Brunswick which resulted in approximately 700,000 claims for damage totalling $1.4 billion.

​What Will Be Covered?

Insurance pays for only the insured losses described in your contract. It is very important that you read your policy and/or talk with your insurance representative about what you are covered for and what you're not. Insurance will not pay for every problem that you may encounter, nor is it meant to cover regular home maintenance. Insurance is generally intended - and priced accordingly - to help you cope with the financial consequences of unpredictable events that are sudden and accidental. If, for example, you live on a floodplain by a river, flooding of your property in the spring is not sudden or accidental; it is inevitable and, therefore, potentially uninsurable.Learn more about insurance options for your home, vehicle or business.​

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​​​Insurers use a pool of many premiums to pay for the home, auto and business losses of Canadians unfortunate enough to experience a loss. You are covered for losses outlined in your contract only, not for predictable events. Your insurance company estimates an annual cost or premium to accept the risk of covering your home, business or car.

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Welcome to my Auto Insurance Padlet Wall

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Welcome to my Auto Insurance Padlet Wall

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Within the posts on this padlet wall I will be taking a look at various aspects pertaining to auto insurance. Some of the topics covered will be : How does Auto Insurance work, What Type of coverage best suits you and Insurance rates in Ontario.

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They're four types of insurance -
1. Collision
2. Specified perils
3.Comprehensive
4. All perils
The Link posted below give a more in depth explanation as to what extent of coverage a customer can expect from these various types of plans. Making an informed decision is the best option when seeking to protect personal assets.

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Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country.

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Surprising Facts About Car Accidents in Canada 

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Surprising Facts About Car Accidents in Canada 

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1. Every 4 to 8 hours in Canada large collisions are caused by wildlife.
2. Peak times for animal collisions occur between May - June & October - January
3.Over $240 million in annual collisions costs occur in British Columbia alone.

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Car Accidents and Western Canadian Wildlife

In Alberta alone, six people die in highway accidents after motorists come into contact with a wild animal, such as a moose, deer or fox. And another 323 vehicle-animal collisions result in a serious injury.

These perilous situations aren't unique to Alberta. In British Columbia, approximately 384 motorists are hurt after colliding with wildlife. These accidents have taken their toll not only on people's lives but their wallets. About $240 million each year is spent on collisions involving wildlife in British Columbia alone.

Fortunately, the risk of encountering wild animals is not as high as it's been in the past. Thanks to the creation of 22 wildlife underpasses and two overpasses by Alberta's Banff National Park, road kill prevalence has fallen by 80 percent.

However, there are certain times of the year in which you're more likely to see wildlife than others. As a general rule, peak times for wildlife movement are between May and June and from October to January. It's at these times of the year that you should be hyper-vigilant, especially when traversing highway in heavily wooded areas.

Additionally, pay attention to the type of road your on. About 89 percent of wildlife accidents take place on two-lane roads on rural terrain. Also, don't let good weather let your guard down. About 86 percent of wildlife collisions occur when conditions are favorable and two out of every three happen when the sun is out.
Learn more about car insurance and get a quick car insurance quote!
Recently compiled statistics indicate, it's important to be aware of road travelers of the four-legged variety - as a substantial number of accidents each year occur as a result of wildlife in Alberta and British Columbia.

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Startling Stats About Car Accidents Caused by Wildlife in Alberta and BC - Insurance Blog - Desjardins Insurance

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Recently compiled statistics indicate, it's important to be aware of road travelers of the four-legged variety - as a substantial number of accidents each year occur as a result of wildlife in.... Get the facts on insuring your car, home, business and more. Read our insurance blog for great advice!

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A claim is written documentation stating your loses or damages incurred to your possessions. A claims specialist is assigned by insurance companies to look after a claim and determine how much damage does the insurance company plan to cover.

Upon documenting your insurance claims be sure to take photo for evidence with your cellphone. Be sure to state how the accident happened, the time, date and location. Also be sure to have all Insurance information (i.e. driver’s license, plate numbers, insurance companies) and contact information (i.e. names, addresses, phone numbers) of drivers, passengers and witnesses all listed on your claims form.

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When purchasing a new vehicle drivers may want to shop around for the best insurance options.
Many auto companies offer insurance directly to the consumer . This may prove to be a better option when it comes time to have your vehicle evaluated for resale.
See video below for example..

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The Infographic below gives us an insight into some statistics surrounding auto insurance fraud in Canada.

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The infographic below displays a few statistics pertaining to the car industry in canada.
It is shown that millennials make up 40% of the population which currently purchases cars.
This can lead us to the conclusion that millennials are in fact one of insurances companies largest demographic.

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Every city has various regulation laws but all states require proof of insurance at all times within the vehicle.  Failure to produce proof of insurance can result in the drivers license plate being suspended until proof is provided.
In Ontario it is mandatory that drivers have liability. This protects drivers from the costs of injuries or damages caused to others.

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What cities have the most expensive auto insurance in Ontario 

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What cities have the most expensive auto insurance in Ontario 

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This video reveals the most expensive auto insurance rates across Ontario based on which city a person resides in. The driving behaviours of motorists within a particular city is what contributes to the rate at which insurance companies offer premiums yearly.
People living in densely populated areas such as Brampton , Vaughn , Mississauga and Toronto can pay up to 65% above average premium rates.

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What cities have the most expensive auto insurance in Ontario?

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Are Self Driving cars a threat to insurance companies ?

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Are Self Driving cars a threat to insurance companies ?

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Upon doing research and studying the various factors that can affect an insurance premium. I was lead to this.. how will insurance companies adapt to the new trends in the auto industry of self driving vehicles?

Will consumers see the need to purchase larger insurance premiums ? Or will most people just settle for basic coverage in hopes that their vehicles are really now smart.

Which ever a person chooses to do I personally believe we should all have insurance and insurances companies will find a way to adapt and sell premiums.

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Self Driving Cars Explained - Animated Infographic

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How Do Insurance Companies Calculate Premiums 

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How Do Insurance Companies Calculate Premiums 

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This Website link below , gives some insight as to how premiums are calculated ,what factors insurance companies take into consideration and how to lower your insurance rates.
Some factors that can affect a customers premium costs are :
1. Age
2.The model and year of the vehicle being insured
3. Driving records
4. Where does the customer live.

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Need to Insure a Car?

Insurers consider many factors when calculating your car insurance premiums. Buying or leasing a car with a lower-cost insurance rating is one way you can take control of costs.

Across Canada, IBC's " Worst and Best Ten 2002-2014 Models​ " reports on the relative claim cost of cars by type of accident. Also consider cars rated the safest​ by the Insurance Institute for Highway Safety.

Getting an Insurance Quote? Here's How to Lower your Premium.

Provide your car's vehicle identification number or VIN to your insurer. Some cars are more expensive to insure. Without the correct VIN, you could be quoted a premium for a different - more expensive make or model - car. To save money, you can also:

Increase your deductible (i.e., your share of the cost of a claim)

Drop collision coverage on an older car

Look into a package deal for your car(s) and home

Install an approved theft deterrent system in your car

A Good Driving Record Can Reduce Your Premium

License suspensions, parking tickets and convictions for driving offenses all add up to higher car insurance premiums. In fact, after being convicted of a driving offence, it can take up to 6 years for your record to be considered clean again by insurers. Over the years, building a consistently accident-and conviction-free driving record can help reduce your premium. You can also:

Adjust how frequently you use your car

Take public transit to keep your annual kilometres low

Exclude high-risk drivers from your policy

Where You Live Can Increase Your Premium

Did you know that urban areas have varying degrees of higher claims costs? Higher density equals more risks, more accidents and more thefts. For example, using 2011 statistics, the average claims cost per vehicle in one city was 25% above that of a neighbouring city.

While there are good drivers in every city, on average, some areas have a higher than average claims costs than others. And as claims costs rise, so do premiums.

How CLEAR and Telematics Can Save You Money

Insurers use the Canadian Loss Experience Automobile Rating (CLEAR)​ system to assess the likeliness of your car being involved in a claim and what it will cost. Current data for each make, model and model-year of car is used to calculate expected and actual claims loss experiences. Choose a car with a lower claims risk and CLEAR number and you can expect a lower premium.

You can also learn about new cost-savings offered by telematics​. By installing a technology device in your car that records your driving activities, insurers can use this information to personalize your insurance premium.

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How Car Insurance Premiums are Calculated

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Insurers consider many factors when calculating your car insurance premiums. Buying or leasing a car with a lower-cost insurance rating is one way you can take control of costs. Across Canada, IBC's " Worst and Best Ten 2002-2014 Models​ " reports on the relative claim cost of cars by type of accident.