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By Andi Ignatio

Business Brokerage So what could possibly be more sleep-inducing than reading (or writing) a 650-word article about auto insurance? After considerable brain-racking, I've come up with one possibility: watching towels dry. However, if you drive a car in the United States, the law requires that you have your fair share of auto insurance. This article, in particular addresses one facet of auto insurance coverage: glass coverage.

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So what's your point?

Auto insurance in Ontario Regulated by the Ontario government, car insurance is standard in the industry. But insurance companies offer more beyond the basic auto insurance coverage required by Ontario law. They offer insurance options designed to enhance your automobile and accident coverage. You can customize your car insurance policy to ensure you've got the specific protection you need.

Online Brokerage The purpose of this information page is not to navigate the morass of options, riders, or auto insurance companies. If you don't know whether you want "good hands" or a talking lizard, you should dig deeper on the websites these companies spend lots of money on to entice your patronage. Or you could investigate getting yourself a reputable insurance agent to act on your behalf. Insurance agents are people who think insurance is fun, and therefore can be trusted to accurately answer insurance questions. One resource for locating a reputable agent is the Independent Insurance Agents & Brokers of America website: http://www.iiaa.org.

At kanetix, we want to help take the guesswork out of choosing your auto insurance coverage. That's why we've created Coverage Calculator. Take a few minutes to answer the questions below. When you're done, you'll see suggested coverage amounts for your personal auto insurance needs. These suggestions will help you choose what types of coverage you want when you get to Step 5 of Quotemaker.

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Again, what's your point?

Auto insurance coverage may be standard throughout your province, but insurance premiums are another story. Coverage from one company to the next can vary by hundreds, if not thousands of dollars. The only way to make sure you are getting the best base price for your policy is to compare, compare, compare. Compare car insurance quotes to see if you could save money on your auto insurance premiums. >

Agency Brokerage Spark The point of this article is to address just one aspect of auto insurance coverage, namely the aforementioned glass coverage. Should you have it? Should you skip it? In most cases, a glass coverage rider can be added to your policy relatively inexpensively - depending upon your situation, it could be less than $10 per month. Considering the cost of glass replacement (a windshield alone could cost over $200 to replace), it could be a wise investment. For a quick quote using the particulars of your vehicle, go to http://www.safelite.com and click the "get an instant quote" link.

With Ottawa’s growth in population and subsequent increase in the number of drivers, shopping around for car insurance rates will help to ensure you are getting the best car insurance rate available. If you live in Ottawa, ON and are looking for car insurance quotes, kanetix may be able to help you with your auto insurance needs. Kanetix has brought together some of Canada’s leading insurers to provide you with online Ottawa auto insurance rates for car insurance coverage that offers you the insurance protection you need.

Business Broker But before making insurance decisions, you must assess your situation first. How much driving do you do? Under what conditions? On what type of roads?

Brokerage Account Let's address these questions individually.
1. How much driving do you do?
If you normally drive 3.5 miles on Sunday to attend church, and park your vehicle in an environmentally controlled garage the rest of the week, you may not need glass coverage. However, if you drive every day, and if your driving is for extended periods, your chances of a damaged windshield due to road debris, flying junk throw up from passing motorists, or the occasional misguided pigeon, are statistically higher. Calculate your weekly, monthly, and yearly mileage to help you get an idea of how much time you actually spend on the road. You might be surprised at the results you find.
2. Under what conditions do you drive?
Do you drive in adverse weather conditions? Windy or stormy conditions increase the odds of rubble being blown into your auto, and sub-freezing weather makes your windows more susceptible to damage by making them more brittle.
3. What type of roads do you drive on?
If you drive on unpaved roads, your chances of catching a stone thrown up by another vehicle rise. Also, if you travel on highways or expressways, you increase your chances of damage from long-haul trucks or construction vehicles that frequently drop bits and pieces of stuff as they pass. In addition, your higher rate of speed means anything hitting your windshield is colliding with it at a higher rate of speed.

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So I guess you're saying my auto insurance coverage should include glass coverage.

Brokerage Online Stock Trading I am not an auto insurance agent. I don't work for any auto insurance company. I don't even play an insurance agent on TV. The information presented here is to help you come to your own decision - to provide you with the auto insurance opinions of this author, and some food for thought. I will say, however, that I do carry glass coverage, and it has enabled me to replace several windshields in the past three years. And that, my friend, beats the heck out of driving around wearing goggles and a scarf like a WWI flying ace.

Broker Justin Ticket
© 2005 Auto Insurance Directory

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About the Author

Commodity Broker Andi Ignatio has developed the website Auto Insurance Directory, which answers the most common questions drivers have about auto insurance. Please visit us at http://www.autoinsurancedirectory.ws/ today.

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