36 - The Oakville Beaver, Friday July 13, 2007 www.oakvillebeaver.com Profile Of A Killer Insurance Rate Some insurance rates can kill you, others you'd kill for. Killer insurance rates are elusive, and hard to find. Many good drivers are held hostage by high insurance rates. It doesn't have to be this way. Policing of these killer insurance rates is the responsibility of your government. They post rate comparison "warnings" alerting you to how easily you could be in danger of grossly overpaying for insurance. To stay safe you need to compare what you're paying right now, to the best rates available in the insurance industry. InsuranceHotline.com does this for you for free. It instantly compares over 30 insurance company rates to find you the lowest. Look at this government comparison, taken from www.fsco.gov.on.ca as showing $1,000's of dollars difference between insurance company rates for this upstanding married couple with a clean driving record!!! If you don't dare to compare, you'll never know if you have a "Killer Insurance Rate" or if you're being killed by what you're paying. Resource: Financial Services Commission of Ontario Rate Comparison These 416 different rates are based on only one profile of a married couple. A 40 year old male driving a Dodge Ram, and a 39 year old female, driving a Dodge Neon. Neither driver has any tickets or accidents. Bro ckv ille Ham ilto n Win dso r Sud bur y Thu n Bay der (P7K) 2810 2811 2843 2683 2942 3626 2611 1846 2385 2328 3270 2566 2006 2088 4807 1596 2965 3571 3703 1596 2067 2769 2627 4922 3612 2463 2622 2415 2392 3411 2180 1416 3140 3222 2948 3037 2165 2365 2725 2936 3894 2765 2906 2904 2790 2355 2184 1767 2874 2223 2837 5320 Otta wa Tor ont o Companies AXA Insurance AXA Pacific Allstate Insurance American Home Assurance Aviva Insurance Belair Insurance Company CAA Insurance Company COSECO Insurance CUMIS General Insurance Certas Direct Insurance Chubb Insurance Company Co-operators General Coachman Insurance Dominion of Canada Echelon General Insurance Economical Mutual Elite Insurance Company Farmers' Mutual Insurance Federated Insurance Federation Insurance Gore Mutual Insurance Guarantee Company ING Insurance Company Kingsway General Insurance Lloyd's Lombard General Insurance Motors Insurance Nordic Insurance Optimum Insurance Pafco Insurance Pembridge Insurance Personal Insurance Company Perth Insurance Company Pilot Insurance Company Portage La Prairie Mutual In Primmum Insurance Company RBC General Insurance Royal & Sun Alliance S & Y Insurance Company Scottish & York Insurance Security National Insurance State Farm Mutual TD General Insurance TD Home and Auto Insurance Traders General Insurance Trafalgar Insurance Company Unifund Assurance Company Waterloo Insurance Company Wawanesa Mutual Insurance Western Assurance Company York Fire & Casualty Zenith Insurance Company (K1Y) 2714 4714 3141 2528 2923 3203 2295 2395 2080 2246 2812 2270 2131 2060 6078 1953 2669 3244 3394 1953 2484 2638 3005 4998 3147 2293 2511 2149 2947 3911 2400 1391 3930 2917 2920 2511 1813 2140 2517 2651 3312 2427 2596 2678 2661 2594 1763 1992 2855 2464 2557 4972 (K6V) 2547 2546 2625 2348 2472 3051 2237 2163 2026 2195 2695 1870 1780 2001 4810 1783 2544 2761 3048 1783 2040 2362 2608 4094 3274 2216 2123 2022 2485 3207 2179 1356 3633 2862 2263 2442 1926 2182 2405 2527 2981 2343 2651 2751 2320 2147 1792 1816 2750 2019 2129 4871 (L8V) 4390 4390 4047 3719 5106 5494 3431 3567 2696 3343 3692 3554 2994 3143 8393 2751 4504 3893 4218 2751 3297 4001 4088 6447 4214 3466 3538 3548 3513 4826 3045 2006 5476 4801 3997 3610 3141 3547 4475 4468 4767 4021 3721 3834 4252 3650 2468 2742 4211 3559 3669 6760 (M4Y) 5528 5530 3603 3997 4420 5101 4472 4304 3660 3029 3365 3125 2886 3767 10639 2703 3906 4728 5050 2703 4569 4308 3839 7838 5017 3732 3880 3282 5352 6302 3659 1808 5357 4648 4566 4317 2687 3628 3599 3868 5119 3775 3807 5199 3880 3369 3109 2735 4600 3942 3983 7302 (N6A) 3616 3615 3199 3019 3685 3982 3002 2648 2406 2714 2385 2637 2463 2904 6774 2116 3268 3376 3321 2116 2888 3352 3453 5698 3282 2491 2858 2604 3831 4159 3118 1657 4203 3684 2956 2883 2332 2818 3086 3241 3454 3104 2801 2913 3312 2887 2028 2140 3689 2652 3058 5472 Lon don (N8W) 3896 3897 3011 3048 4145 4819 3489 2572 2750 2718 2901 2920 2744 2830 8265 2347 3500 4258 4033 2347 3023 3172 3299 6449 3732 3129 3108 3139 3483 4081 2956 1634 4587 4123 3505 3209 2173 2908 3391 3464 4485 3327 3279 4189 3624 3290 2189 2509 3529 2915 3029 6311 (P3E) 2915 2914 3015 2602 2895 3646 2559 1918 2419 2328 3364 2521 2187 2319 4606 1973 2914 3511 3798 1973 2590 2697 3009 4675 3451 2592 2649 2394 3214 3477 2258 1416 3921 3035 3365 2942 2516 1951 2752 2896 3811 3052 2909 3296 2864 2426 2000 1993 3370 2541 2778 5670 InsuranceHotline.com finds this rate for drivers! $ $ 5,000 4,500 $ 3,500 $ 3,000 $ 2,500 $ 1,500 $ 1,000 $ 500 Tickets, accidents, your age, the car you drive, your postal code, and many other factors can make you prey to high rates. In fact every year your profile changes. You get older, your car gets older. Further insurance companies can change their rates up to 4 times a year! You also need to know that insurance companies "profile" their rates differently. I've seen drivers with tickets and an accident pay lower rates than good drivers with clean records, only because they've protected themselves by doing their own rate comparison. Be the hunter, not the hunted. Go to InsuranceHotline.com and find a killer insurance rate. InsuranceHotline.com Dare To Compare. Insurance brokers interested in participating, go to InsuranceHotline.com and click on the top bar entitled brokers.