It's a proven fact that seat belts save lives. Transport Canada statistics indicate that five lives are saved for every one percent increase in seat belt usage among Canadians.Wearing a seat belt properly is a legal requirement for all motor vehicle drivers and passengers in Canada. Read further to learn how it can impact your insurance.

Accidents are very stressful events, physically, financially and emotionally. One of the best things we can do to get through the experience is to be prepared and know what to do ahead of time. If you've never been involved in an automobile collision before, or if it's been a while, you may not be familiar with what to do or how to react in certain situations. With that in mind here are 5 things you didn't know about car accidents and what to do if they happen.

When an insurance company qualifies you for insurance, they look at a variety of factors and try to determine what the chances are that you will file an insurance claim at some point in the future.

When you buy car insurance, it's important to get the right policy for yourself and your family. You want to make sure that you are fully protected if you get into an accident or if your car is stolen or damaged by other means. Of course, let's not forget you'd like to save as much money as possible while still ensuring that you're adequately covered.

Automobile theft is a significant problem that costs Canadians approximately $1.2 billion each year in insurance, health care, policing and correctional costs. Statistics Canada reports that just over 125,000 vehicles were stolen in Canada in 2008. The Insurance Bureau of Canada estimates that about 20,000 stolen cars are exported from Canada annually.

In most areas of Canada, the winter season can significantly affect driving conditions, leaving you more prone to accidents. During the winter, even more so than other times of the year, it's important to focus on defensive driving to protect yourself and keep your family safe and sound. Driving safely also helps keep your insurance rates down, while minimizing wear and tear on your vehicle.

There is no question that harsh winter weather can wreak havoc on your vehicle. From snow, slush, and salt damage to treacherous driving conditions that can increase your chance of a collision, drivers need to be extra cautious during this snowy season. While you can't control the weather, you do have power over certain practices that put you at greater risk for theft or damage and can be easily avoided. Here are a few winter driving habits that can be costly.

As we approach the end of another year, we often look back and reflect on events of the past twelve months. This is a good time to review some of the key changes in the auto insurance industry, as well as changes to the Highway Traffic Act - here are the highlights.

Starting in the summer of 2010, Ontario vehicle operators will see some changes to their auto insurance. These changes are aimed at providing injured parties with more choices with for financial and medical assistance. Drivers now have the ability to choose their levels of coverage and the subsequent benefits that they want to have access to if they are injured in an automobile accident.

Having a sports car is a blast - until you get your insurance bill! While many drivers love the feel of the wind blowing in their hair, or the feel of flying around tight curves with umpteen amounts of horsepower, in the end you end up paying for the privilege. But that doesn't mean you can't save on car insurance in Canada for your vehicle. Here are the top tips for saving on insurance for your sports car.