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Pickering Insurance company
Are you interested in the best insurance company in Pickering? Then you have come to the right place.
The insurance listed on this page were chosen because they offer the best insurance service in Pickering.
Meet your pickering insurance agency
Trina Owens Desjardins Insurance Agent
Insurance agency in Pickering, Ontario
Address: 222-1885 Clements Rd Ste 222, Pickering, ON L1W 3V4
Phone: (905) 420-8500
What you need to know about insurance?
For Your information
This information was provided to help you learn more about providers fields of expertise.
Who are insurance Agency?
It’s that time again. It could be because your renewal is right around the corner, or maybe you just want a cheaper car to insure. Whatever your reason, hopefully we can help take some of the hassle out of the car insurance quote process with this quick checklist of what you’ll need to get a car insurance quote.
So, what do you need to insure a car? So glad you asked!
What documents do you need for car insurance?
Our state-of-the-art insurance technology speeds up the quote process to 3 minutes. In fact, the only document you’ll need with aha insurance is your driver’s license number.
But if you’re shopping around the old-fashioned way, then you’ll need these documents for car insurance:
- Driver’s license.
- Current insurance company and policy number.
- Traffic violations within the last 3 years (but not parking tickets).
- Previous claims filed in the last 8 years.
- Vehicle make, model, and year.
1) Driver’s license
Make sure your driver’s license is valid. Drivers sometimes forget to renew a license which obviously would make their license invalid. In addition to your driver’s license, you may also want to have access to any other drivers that may have access to your vehicle or that live with you.
2) Current insurance company
If you already have an insurance policy, then you’ll need the number to make a switch. You should know the name of your company and have the policy number handy. Also, understanding when your policy renews will help in determining your effective date for the new quote.
3) Previous tickets
Know your driving record. Many times when obtaining quotes for car insurance, the insurance may not obtain your record from the Ministry and they will ask you to provide them with any driving infractions you may have on your record such as speeding.
But if they find out about unreported infractions during the claims process, then things could become complicated.
4) Previous claims
Know your claims history. This does not only include knowing the details of previous accidents, but also other claims that may not be accident related. For example, comprehensive claims such as windshield damage or vandalism would be included.
5) Your vehicle information
In addition to knowing the year, make and model of your vehicle. It helps to have your VIN (Vehicle Identification Number) available in order to get the most accurate quote possible. You may not realize that a difference in model could have an impact on your insurance
You should also take note of the physical condition of your car and mention any existing damage. Insurance companies may also want to know if it’s 4-wheel drive or two-wheel drive if they don’t have that vehicle information in front of them during the quote. We do, but not everyone is as awesome as us.
Do I need proof of insurance to rent a car?
This depends entirely on the car rental company and your own insurance provider. First you need to check if your policy includes coverage for rental cars. If it does, then you’re good to go.
If your policy doesn’t cover rental vehicles, then you’ll want to get short-term insurance on the car from the rental company directly. It’s lucrative for rental companies, so you can expect just about all of them to provide it.
They also provide “damage waivers,” which act separately and alongside auto insurance. It’s more of a way to get out of small dings, dents, or busted tail lights without going through your insurance provider.
Insurance service overview
The greatest benefits of life insurance include the ability to cover your funeral expenses and provide for those you leave behind. This is especially important if you have a family that is dependent on your salary to pay the bills. Industry experts suggest a life insurance policy that covers 10 times your yearly income. But that’s a number not everyone can afford.
When estimating the amount of life insurance coverage you need, remember to factor in not only funeral expenses, but also daily living expenses. These may include mortgage payments, outstanding loans, credit card debt, taxes, child care, and future college costs.
According to a 2018 study by LIMRA, formerly known as the Life Insurance and Market Research Associations, one in three families might not be able to meet their day-to-day expenses within a month of the primary breadwinner’s death.
The two basic types of life insurance are traditional whole life and term life. Simply explained, whole life can be used as an income tool as well as an insurance instrument. As long as you continue to pay the monthly premiums, whole life covers you until you die. Term life, on the other hand, is a policy that covers you for a set amount of time. There are other considerable differences between the two types of insurance, so you may want to seek the advice of a financial expert before you decide which is best for you. Factors to consider include your age, occupation, and number of dependent children.
Statistically, you and your family are just one serious illness away from bankruptcy, according to a study published by the American Journal of Public Health in 2019. In the Journal’s survey of more than 900 Americans who filed for personal bankruptcy between 2013 and 2016, more than two in three bankruptcies were caused by medical problems—from bills, income loss due to illness or both.
Those numbers alone should incentivize you to obtain health insurance or review and possibly increase your current coverage. But with rising co-payments, increased deductibles, and dropped coverages, health insurance has become a luxury fewer and fewer people can afford. When you consider that the national average cost for one day in the hospital was $2,517 in 2018, even a minimal policy is better than none.
The best and least expensive option may be participating in your employer’s insurance program, but many smaller businesses do not offer this benefit. The average annual premium cost to the employee in an employer-sponsored health care program was $7,188 for single coverage and $20,576 for a family plan in 2019, according to research published by the Kaiser Family Foundation.
If you don’t have health insurance through an employer, check with trade organizations or associations about possible group health coverage. If that’s not an option, you’ll need to buy private health insurance.
Long-Term Disability Coverage
Long-term disability insurance is the one type of insurance most of us think we will never need. Yet, according to statistics from the Social Security Administration, three in 10 workers entering the workforce will become disabled and will be unable to work before they reach the age of retirement.
Often, even those workers who have great health insurance, a nice nest egg, and a good life insurance policy don’t prepare for the day when they might not be able to work for weeks, months or ever again. While health insurance pays for hospitalization and medical bills, you’re still left with those daily expenses that your paycheck generally covers.
Many employers offer both short- and long-term disability insurance as part of their benefits package. This would be the best option for securing affordable disability coverage. If your employer doesn’t offer long-term coverage, here are some things to consider before purchasing insurance on your own.
A policy that guarantees income replacement is optimal. More often policies pay out 50% to 60% of your income. The cost of disability insurance is based on many factors, including age, lifestyle, and health. The average cost in 2018 was $2,700 per year. But before you buy, read the fine print. Many plans require a three-month waiting period before coverage kicks in, provide a maximum of three years’ worth of coverage, and have some significant policy exclusions.
On average, there are six million car accidents in the U.S. every year, according to the National Safety Council. An estimated 38,800 people died in car crashes in 2019 alone. The number one cause of death for American’s between the ages of five and 34 was auto accidents, according to the Fatality Analysis Reporting System (FARS) in 2009 data (the last available data). Over two million drivers and passengers received treatment in emergency rooms in 2009 and the costs of those accidents, including deaths and disabling injuries, were around $70 billion.
While not all states require drivers to have auto insurance, most do have regulations regarding financial responsibility in the event of an accident. States that do require insurance conduct periodic random checks of drivers for proof of insurance. If you do not have coverage, the fines can vary by state and can range from the suspension of your license, to points on your driving record, to fines from $500 to $1,000.
If you drive without auto insurance and have an accident, fines will probably be the least of your financial burden. If you, a passenger, or the other driver is injured in the accident, auto insurance will cover the expenses and help guard you against any litigation that might result from the accident. Auto insurance also protects your vehicle against theft, vandalism or a natural disaster, such as a hurricane or other weather related incidents.
Again, as with all insurance, your individual circumstances will determine the cost of auto insurance. To make sure you get the right insurance for you, compare several rate quotes and the coverage provided, and check periodically to see if you qualify for lower rates based on your age, driving record or the area where you live.