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  • 03 Apr 2017
    All Canadian drivers are required to have mandatory auto insurance in order to operate their vehicles on road. While you can also opt for an optional coverage based on personal needs, a basic insurance coverage if not covered can lead to a severe fine, suspension of license or even vehicle impounding.   A proper consultation with an Auto Insurance Broker can help you find the right insurance in Alberta, Calgary. However, some of the main categories of auto insurance include:   Liability Coverage: Legally, one must possess this insurance to be permitted to drive in Canada. Alberta law requires drivers to have liability coverage of minimum $ 200,000, but many drivers take coverage of either $ 1 million or $ 2 million. This covers all the costs incurred by the other party in case of an accident.   Generally, take enough coverage so that in the case of a court judgment, you won’t need to dip into your savings to cover for medical expenses, legal fees, rehabilitation or other second-party costs.   Collision Insurance: This is an optional insurance that covers for costs of vehicle repair and medical expenses if one is found liable. Normally, this insurance is costlier compared to liability insurance but offers more benefits to the owner/driver in case of an accident. Also, in case your car is totaled, the collision insurance policy will pay the cost of replacement.   Comprehensive Insurance: This insurance covers costs of damages not related to accidents or collisions. It deems useful when hazards are caused due to an act of vandalism, extreme weather conditions, and fire, and theft, objects falling on the car or flooding. Also, it is highly beneficial if you want to tailor your policy based on individual needs or circumstantial assessment.   Uninsured Motorist Coverage: This is a mandatory insurance in Alberta and protects you and your family in case you are killed or injured in a hit-and-run accident or has a collision with an uninsured motorist or car. However, if the driver is identified and uninsured, it will only pay for the damages caused to your vehicle.   Emergency Road Service: You can also opt for a coverage that offers emergency roadside assistance in case of a breakdown or mishap when you’re driving. This plan will cover the costs of getting your vehicle back on the road and can offer peace of mind to drivers in case of breakdowns. Some costs included in the policy are towing, tire changes, oil or gas delivery, locksmith or light mechanical labor.   Accident Benefits Coverage: This is also a mandatory insurance in Alberta and offers medical care to the driver along with additional income replacement advantages if you get badly injured during the car accident.   No-fault Insurance: In this case, you won’t need to deal with the second party’s insurance provider during an accident. No matter who was at fault, your provider will pay your medical bills so that you can get back on the road.   Speak to a trusted auto insurance broker to chalk down the right plan and coverage for you in the long term.   Beneficial Insurance Solutions is a Leading broker insurance company In Canada provides Cheap Auto Insurance and Car Insurance Quotes Canada.
    52 Posted by beneficial insurance
Business 54 views Mar 31, 2017
Gear Up for a Safe & Happy Spring with These Driving Tips

It’s time to spring forward into a new season in Canada. As daylight saving time begins on 12th March, you can expect to see some changes in the weather, your sleep, you’re driving habits and your vehicles.


As you tend to lose out one’s hour of sleep during this time, it is important to change your habits a little so that you don’t feel drowsy behind the wheel. Your Car Insurance Brokers will also advise you to follow safety tips in spring to lower your policy premiums. We bring you some safe driving tips for a happy and safe spring this year: 


1. Be an Early Bird
Start going to bed 15 minutes early before it’s time to change the clocks. By doing so, your body will slowly get accustomed to the changed timings. You should also adjust other aspects of your routine that provide time cues to your body. For instance, you can eat dinner a little earlier in the evening.


2. Don’t Remove Your Winter Tires Yet
While you may be tempted to change your tires as the season changes, it is recommended to keep them on until the temperature stays above 7 degrees Celsius.


3. Be Prepared for Ice
Canadians can still expect some snow and as such, the warmth of the spring sun might end up melting the snow and ice along the road. If you notice wet-looking roads while driving or the temperatures start falling, be prepared for ice and slow down.


4. Attentive Road Sense
Spring is the time for most road works so expect construction on your route. You might experience highway maintenance, pothole repairs and other roadworks that will require you to drive slowly and be aware of your surroundings. Also, increase your following distance for better road sense.


5. Gearing Up for Spring Time
It’s best to set your clocks to spring time on Saturday, 11th March, in the evening itself and sleep on your normal bedtime. This will help you spring forward your sleep from one night before and you can continue this bedtime on Sunday too. Try and get some Vitamin D by waking up early on Sunday and soaking in the early morning sunlight.


6. Pay Attention to Kids and Animals
Spring brings many children outside as they love the warm weather. However, most of the kids aren’t paying attention to the traffic so drive slowly around residential areas and school zones. Also, be careful of teenagers who are fixated on their cell phones and aren’t aware of the coming vehicles. Animals who hibernate in winter also step outside now looking for food. Slowing down in areas where animal traffic is high is crucial.


7. Never Drive Distracted
Always keep your focus on the road and avoid any distractions like music, coffee or food while driving. Also, please refrain from using your phone behind the wheel, even if it is hands-free.


With the change in the season, it may also be time to change your auto insurance policy and premium rates. Speak to your car insurance brokers for the best rates in the current market scenario.


Beneficial Insurance Solutions is a Leading broker insurance company In Canada provides Cheap Car insurance and Online Car Insurance Quotes.