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      <title>Assignment 2 by Nan Lee</title>
      <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth</link>
      <description>Nan Li</description>
      <language>en-us</language>
      <pubDate>2023-11-27 23:20:17 UTC</pubDate>
      <lastBuildDate>2023-12-05 03:53:47 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Welcome to my Padlet</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804778954</link>
         <description><![CDATA[<p>I'm going to cover the following points regarding auto insurance in my wall:</p><p>a. What coverages are usually included in auto insurance?</p><p>b. What factors do you need to consider about when you are purchasing an auto insurance for your car?</p><p>c. I also would like to share some tips and tricks when you are trying to get a good quote with an auto insurance broker.</p>]]></description>
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         <pubDate>2023-11-27 23:35:27 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804778954</guid>
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         <title>Video # 1 Understanding Auto Insurance</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804800350</link>
         <description><![CDATA[<p>This video explains that "Full Coverage" car insurance is actually a combination of different coverages" that include auto liability coverage, medical expenses, collision coverage, transportation expense coverage, comprehensive coverage, and uninsured motorist coverage. </p><p><br></p><p>I put this video in the first place because I would like to give the viewers a brief idea of what coverages an auto insurance usually consists of and what they are going to individually cover when a car accident occurs. This short yet straight-to-point video is just right for the purpose. The video presents what an auto insurance will work for a car owner in a clear, concise manner. With the help of the video, the viewers are able to be equipped with the key information of the auto insurance in less one minute. </p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=yh7QbUxOApY" />
         <pubDate>2023-11-28 00:04:19 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804800350</guid>
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      <item>
         <title>Video # 2 How to Choose Car Insurance Coverage</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804886890</link>
         <description><![CDATA[<p>Video 2 focuses on illustrating how to choose an auto car insurance coverage for Ontario drivers only. We know that the auto insurance policy is province sensitive in Canada. In some provinces across Canada, it's the provincial government who runs their own auto insurance, for example, in Manitoba, whereas the auto insurance agencies or companies are independent of the government like Ontario. So, it's very important to acquire the information about the auto insurance for your own province.</p><p><br></p><p>I choose this video that particularly tells the types of car insurance mandatorily required by law in Ontario plus the optional insurance you can choose from that will benefit you and your family if you buy as well. I hope the peers in the class learn the information from the interesting video. </p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=XUQ_p07DniQ" />
         <pubDate>2023-11-28 01:18:27 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804886890</guid>
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      <item>
         <title>Video #3 Canadian Auto Insurance Premium Explained</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804945559</link>
         <description><![CDATA[<p>This video is fantastic, and it answers the mostly asked questions with regard to the Canadian auto insurance in very plain words. It unveils the secret of how your insurance quote is calculated, and covers quite a bit of factors that are going to increase or decrease your auto insurance premium with details. Those rules apply to any auto insurance you will buy no matter where you live within Canada. </p><p><br></p><p>The video has been posted on my wall in the third place, for it thoroughly explains how an auto insurance quote is primarily generated as premium. I would like the viewers to dive deeper into the auto insurance at this stage, namely, to understand how much you are going to pay for your auto insurance in your case. </p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=goG21ZYAmoM" />
         <pubDate>2023-11-28 02:02:57 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2804945559</guid>
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      <item>
         <title>Video #4 Cheap Car Insurance Money Saving Tips</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805049649</link>
         <description><![CDATA[<p>I'm eager to share the last video with the viewers as we come along here. This video is awesome that it gives 9 smart tips to help save the car insurance for the drivers, especially for the new or inexperienced drivers on the road. Those tips are very practical and cover the most of cases such as keeping a clean driving record, professional group insurance, combining auto insurance with home or other insurance, to pay as you go, etc. I bet that you can get one or more tips for sure to help lower your auto insurance.</p><p><br></p><p>As the last video, I would like to use it as a take-away bonus for the viewers. I hope that people not only understand the components of the auto insurance and how it's calculated from the previous videos, they also know how to make a good quote from video #4 in the end.</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=X2WzuvCjrFA" />
         <pubDate>2023-11-28 03:16:46 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805049649</guid>
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      <item>
         <title>Website #1 15+ best home &amp; car insurance companies in Ontario</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058112</link>
         <description><![CDATA[<p>The website lists Top 15 best companies which are providing home and car insurance in Ontario according to the reviews on Google plus a few other criteria. With each company comes along a brief introduction about the company and their features, as well as what the average Google review rating is about. </p><p><br/></p><p>The website has been added as website #1 because I would like people to know the auto insurance companies with good credits they can pick up from to purchase their auto insurance in Ontario. The company with good reviews or credits means that your insured coverage for your car can be guaranteed when you are unluckily in car accident.  </p>]]></description>
         <enclosure url="https://kbdinsurance.com/blog/best-insurance-companies-in-ontario/" />
         <pubDate>2023-11-28 03:23:35 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058112</guid>
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      <item>
         <title>Website #2 Lowest Rates in Canada</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058274</link>
         <description><![CDATA[<p>This website is where you can compare and get the lowest rate possibly for your auto insurance in your province within Canada. It's easy and simple to start with by just filling out your post code in the box on the website and clicking "Get Started". Then you continue to fill in the forms with your information and the data about your car that you are going to insure in the next pages as you walk through. Finally you will get a rough code and get it into your email address you have provided. </p><p><br/></p><p>I introduce this website because you can get a very good auto insurance quote with a professional auto insurance broker through the website. As you get a code with an email, there will be a broker calling you up shortly later where you can discuss with him/her about your auto insurance. The code still can be negotiable before you get the finalized one with them. Of course, you don't need to buy any quote with them neither if you don't like any of them.</p>]]></description>
         <enclosure url="https://www.lowestrates.ca/insurance/auto" />
         <pubDate>2023-11-28 03:23:44 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058274</guid>
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      <item>
         <title>Website #3 What is not covered by your auto insurance</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058427</link>
         <description><![CDATA[<p>The website tells you in what situation or circumstances your auto insurance will not cover the repairs or damages related to your car. The information provided by Financial Services Regulatory Authority of Ontario explicitly illustrates the cases such as mechanic failure or breakdown, rusting, wear and tear, etc. that are not covered by the auto insurance policy unless you purchase special coverage like collision. It also gives other details or examples that are excluded to the auto insurance. </p><p><br></p><p>The website has been included in my wall because I would like the people who are going to buy auto insurance keep the information in their mind when they consider about choosing an auto insurance. If they want those costs covered by their auto insurance, they need to buy extra relevant insurance policies, for the regular auto insurance does not cover them. </p>]]></description>
         <enclosure url="https://www.fsrao.ca/consumers/auto-insurance/purchasing-your-policy/what-not-covered#:~:text=Insurance%20companies%20won&#39;t%20cover,peril%20(such%20as%20a%20collision)" />
         <pubDate>2023-11-28 03:23:52 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058427</guid>
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      <item>
         <title>Website #4 15 Tips and Ideas for Cutting Car Insurance Costs</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058611</link>
         <description><![CDATA[<p>Again, the website includes all possible best ideas about cutting down your auto insurance. I would like to emphasize those tips for the viewers here and remind them of how to make a plan and get a good quote for their auto insurance. Auto insurance is an unescapable, very expensive expense when you drive on the road, so it's a good idea for each Canadian driver to get one quote as lowest as possible. </p><p><br></p><p>I include the website because I would like people to review the tips for getting a lower auto insurance by browsing through the website, and get their own plan ahead of time before finalizing a good auto insurance premium according to their own scenario. </p>]]></description>
         <enclosure url="https://www.investopedia.com/articles/pf/08/car-insurance-costs.asp" />
         <pubDate>2023-11-28 03:24:02 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058611</guid>
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      <item>
         <title>Image #1 Canada Car Insurance Systems</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058733</link>
         <description><![CDATA[<p>The photo above clearly shows how the auto insurance system runs in each province across Canada: some of them are public, which means the provincial government provides the auto insurance system, some are totally run by private insurance companies while others are a mixed-up system like Quebec and Saskatchewan. </p><p><br></p><p>I chose this photo because I would like to present a general view of auto insurance systems Canada wide, which helps people know how to purchase their auto insurance when they move across different provinces. </p>]]></description>
         <enclosure url="https://cdn-res.keymedia.com/cms/images/us/023/0293_638354385850893955.jpeg" />
         <pubDate>2023-11-28 03:24:10 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058733</guid>
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         <title>Image #2 Seven types of car insurance in Ontario</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058900</link>
         <description><![CDATA[<p>This photo explicitly illustrates 7 types of car insurance policies we can buy in Ontario. Some of them are mandatory to purchase that include third-party liability, accidents benefits, uninsured automobile, and DCPD which is Direct Compensation Property Damage. The rest of three are optional that cover other specific situations in an car accident if you pay for any of them. You can watch my videos on the wall for the details of each insurance policy.</p><p><br></p><p>I attach the photo on my wall because I would like the readers to know exactly what auto insurance policy they must buy and may choose from for their car in Ontario.  </p>]]></description>
         <enclosure url="https://wpapi.hardbacon.ca/wp-content/uploads/2023/06/Types-of-Car-Insurance-ontario.png" />
         <pubDate>2023-11-28 03:24:19 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805058900</guid>
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      <item>
         <title>What did you learn about your topic that surprised you the most?</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805131752</link>
         <description><![CDATA[<p><br/></p><p>Auto insurance premium can vary greatly on different drivers, and if we know the tips about how we can cut down the cost, then we can get a very good quote for our own auto insurance, which helps us save a deal of money every year.</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-28 04:39:35 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805131752</guid>
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      <item>
         <title>Provide a real-life example of how this topic is relevant or interesting for you.</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805132154</link>
         <description><![CDATA[<p>I purchased my own Nissan insurance on my own by using the <a rel="noopener noreferrer nofollow" href="http://lowestrate.ca">lowestrate.ca</a>, a website that you can create your own quote based on the data about your car, your personal information as well as other factors. Through the website, you can contact a professional auto insurance broker who can help you get the lowest quote in your situation. I really like this experience and that's why I would like to choose this topic and share with peers here.</p><p><br></p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-28 04:39:55 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805132154</guid>
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      <item>
         <title>If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?</title>
         <author>nanlee794</author>
         <link>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805132443</link>
         <description><![CDATA[<p>First, you need to know the basic knowledge about the auto insurance policy, and then you collect your own data about yourself and the car that you are going to insure. Last but not least, it's a good idea to know the best tips to lower the auto insurance premium. When you're ready, make a plan, for example, what auto insurance policy you are interested in purchasing for your car based on your own case and contact a professional auto insurance broker to get started!</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-28 04:40:12 UTC</pubDate>
         <guid>https://padlet.com/nanlee794/ccavg5q3vdlu8rth/wish/2805132443</guid>
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