Throughout most of Canada and the US, liability insurance for autos is mandatory. In many areas, uninsured/underinsured motorist coverage is also required. These coverage types are separate, but also share some similarities.

Insurers consider a number of rating factors, many of which are unique to us. Your vehicle does play a big role, however. Both the safety features and the cost of repair come into play. Even vehicle theft rates play a role.

Some insurers also place similar (higher) rates on drivers with less than 3 years of driving experience — even if the driver is in an older age group. However, age and experience often correlate, so younger drivers often pay more for coverage.

Usage-based insurance is here to stay, but it can take several forms. The process is called telematics and uses an in-car device to measure criteria that can affect driving safety.

Owners can take the following steps to help protect their vehicles

When driving a vehicle, road safety is your first responsibility! It is important to focus on driving and reduce driver distractions.

It's important to be prepared and know what steps to take after an auto accident.

Thinking things through and developing safe habits can help reduce the chance of accidents, injuries, or liability.

How new motorcycle riders can keep themselves safe and claim-free

There’s a time and place for everything and texting and driving are never a good mix.

As fun as this popular outdoor activity is, it is not without its share of risks.

By following these six tips, new drivers can feel confident in their ability to do whatever skill the examiner asks them to perform on the road.

Speeding tickets hold the top spot for the most common traffic violation in Canada.

Show your teen how tech savvy you really are by recommending these three driver-friendly apps.

We all know we shouldn’t drive when intoxicated or impaired, but fatigued driving can also be dangerous.

Combined with other risky driving habits, the chances of having an auto accident can increase substantially.

It’s a tough conversation worth having.

It is important to know in advance how to respond if one catches you while you’re on the go:

The term has become synonymous with complete destruction, but a totalled car often doesn’t look like a totalled car.

Changes in your premium shouldn’t be taken personally, but they can reflect changing risk both individually and on a more general level.

The process is quick and accurate, and your policy premium is closely matched to your unique risks.

Many of the myths about auto insurance are just that: myths.

Safety experts caution drivers who have these tech innovations in their vehicle to cruise with caution.