Rates.ca Blog & News

Motor Vehicle Collisions in Montreal: A Snapshot

Cars parked on Montreal street
Motor vehicle accidents on Quebec roads in 2017 resulted in many deaths and serious injuries. The 2017 figures are an indication that it is becoming more and more difficult to improve the road safety record, which undoubtably has an impact on first-time car insurance.How Montreal Compares to the Rest of QuebecIn 2017, there was an increase in the number ... Continue reading »

How Safe Is Driving in Toronto?

Traffic in Toronto
On the whole, driving in Canada has grown safer over the past 20 years, which is good news for first time car insurance shoppers and everyone on the roads. However, driving on Canadian roads still isn't completely risk-free. In 1998, 3,076 Canadians lost their lives in motor vehicle accidents, according to Transport Canada. In 2016, fatalities totaled 1,898 ... Continue reading »

Canada Just Legalized Marijuana. Here's How It Might Affect Auto Insurance Rates

Cannabis leaf in front of white car
First-time car insurance consumers have something new to think about this year. Marijuana is now legal in Canada. Many Canadians have admitted to driving after using cannabis, but the connection to road safety is uncertain. Some U.S. jurisdictions where cannabis is legal have reported higher crash rates. If there is a similar effect in Canada after marijuana legalization, there ... Continue reading »

Drinking and Driving: How It Impacts Your Auto Insurance Premiums

Police car lights at night
Canada's already-strict drunk driving laws got stricter in December when officers gained the right to request a breath sample from any driver they pull over. Maximum penalties for many drinking and driving offences increased across Canada with some sentences doubled from 5 to 10 years. Drivers should now expect to give breath samples at traffic checkpoints.The maximum amount of ... Continue reading »

Top 5 Safety Tips for Winter Driving in Ontario

Car driving on country road in winter
Rather than dreading winters in the Great White North, many Canadians relish what Mother Nature has to offer. Snowshoeing in Banff, skiing in Alberta or skating just about anywhere helps residents and tourists alike make the most of frigid temperatures and frequent snowfall. In urban areas such as Toronto, Ontario, winter festivals feature contests, live music, parades, and fireworks for ... Continue reading »

Senior Driving: Is It Safe?

older lady driving
According to Stats Canada, the number of seniors age 80 and over is expected to increase by a factor of 2.6 between now and 2036 for a total of 3.3 million Canadians over age 80. While not every octogenarian Canadian will choose to drive, if current trends hold, about 70 per cent of Canadians age 65 and older ... Continue reading »

Climate Change: How Weather-Related Incidents Impact Insurance Rates

car driving on flooded road-min.jpg
Weather and climate change have a significant impact on insurance providers. The industry has an obvious financial stake when it comes to predicting the probability of catastrophic weather. If the climate is unpredictable, it may affect the way that insurance providers calculate risk. What's more, it makes first time car insurance more complicated as there is a lot to consider ... Continue reading »

Which Province Has the Most Expensive Auto Insurance?

Car driving in Canadian Rockies
If you've ever lived in more than one Canadian province, you may notice that price differentials for products and services become apparent. When it comes to insurance, the number and volume of paid claims need to be taken into account to get a snapshot of the cost variance for car insurance quotes. Among the 10 provinces, insurance rates vary considerably ... Continue reading »

How Auto Insurance Fraud Affects You As a Consumer

Red Car
Cost is a factor for most drivers buying new insurance. There's a hidden story in those car insurance quotes that help you choose a new policy. Premium rates are on the rise because of expensive claims. Because of the connection between claim payouts and insurance cost, it should concern consumers that a staggering number of claims are fraudulent.Fraud is ... Continue reading »

What Is Aggressive Driving and Why Is It Harmful?

Car following too closely
We've all been there. Someone cuts you off or follows too closely from behind and your blood pressure elevates a bit. You wish a cop had been around to witness the stunt, but that rarely happens. Aggressive driving takes many different forms.Signs of Aggressive DrivingSpeeding: It might be the most common infraction of all - someone's in a huge hurry ... Continue reading »