When you took your driving test, you studied hard, and were confident you knew the answers to any question the examiner could steer in your direction. But now it may have been many years since you passed that test, and some of the rules may have faded in your memory like the dog eared pages of your driver's handbook. So if you had to take your driver's test today, would you pass? How well do you know the new rules of the road…Or remember the old ones?

Automobile insurance is an item we purchase because we are required by law to have it, but we all hope we'll never have to use it. You may even have opted for higher deductibles to lower your insurance rates. But in the unfortunate case you suffer a loss due to an auto collision, theft or other incident and need to make a claim, is it worth it? Will your rates increase? Here are a few points to consider when filing a claim.

The sun is out, the air is warm, and after a long cold winter and a slow wet spring, you're ready to get on the road again. Before you hit the road, remember that with the change in seasons you need to keep your driving record clean and your insurance record claim free to make sure you don't see an increase in your car insurance premiums when it's time to renew. Here are some tips (and warnings) that will make you a safer driver this summer.

Just because you must have insurance on your vehicle, doesn't mean that you should have to pay the highest premiums for your coverage. Following a few simple tips can help you reduce the cost of your insurance premiums and receive more competitive car insurance rates.

When the Canadian dollar drives toward parity with the U.S. greenback, many Canadians who are in the market for a new car steer their sights south of the border to take advantage of the lower sticker prices in the United States. Before you shift your cross border car shopping into high gear, you may want to visit the Registrar of Imported Vehicles (RIV) website to review their Importer Checklist. Here are just a few facts and costs to consider.

The chilly air and falling leaves are signs that the motorcycle riding season is coming to an end. As you prepare to store your bike for the winter, you may also be thinking about your insurance coverage and how you can reduce costs. Will you save money if you cancel your insurance policy for the snowy months and renew it in the spring?

In the province of Ontario, automobile insurance is compulsory and required by law. This means that before you can obtain licence plates for your car or renew your vehicle registration, you need to purchase auto insurance. Unfortunately, there have been some cases of drivers operating their vehicles without insurance which endangers everyone on the road. To protect all drivers and help to keep our roads safe, the Ontario government and the Canadian insurance industry have introduced the Uninsured Vehicles Project.

Students are now back to school and the lessons of reading, writing and arithmetic have started for another year. With more kids out on the streets, it's a good time for all drivers to take a road safety refresher course. If you don't make the grade, it could cost you in fines, demerit points and higher insurance premiums.

Both new and experienced drivers know they should never drink and drive, and if they make this choice, they will be subject to severe consequences. This month, many young drivers are back in class and the new school season means many social events — from parties to pub nights, sporting events and other activities. All too often, alcohol is a part of these gatherings. If you are a young driver you need to be aware — and be responsible — as the penalties for drinking and driving have become even more stringent for younger and novice drivers.

If you are an Ontario driver, you should have already received a second notice in the mail from your insurance company highlighting the important changes that are being made to your auto insurance policy. If you haven't received any communications or information from your insurance company, call your broker or agent to learn more.