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.

This month, thousands of students across Canada left home to attend college, university and other educational institutions. Many will be living on their own for the first time, taking with them laptop computers, wireless devices, electronic equipment, clothing, books, furniture and more.

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.

Believe it or not getting a ticket for speeding just 10 km per hour over the limit can cost you a lot more in the long run than paying a minor fine. Unfortunately, the relationship between tickets, demerit points and your insurance rates is misunderstood by many drivers. However, the relationship is an important one given the impact it can have on your driving record and the amount you pay for your insurance.

If disaster were to strike and all of the valuables in your home were stolen, would you be able to report the details of all your belongings to your insurance company? You likely have some idea of all the valuables in your home and their appropriate costs, but do you have all of the necessary supporting documentation? Moreover, do you know which of your valuables are covered under your policy? To make sure you are prepared in the event of a loss follow these key steps.

Effective September 1, 2010, when new laws are being introduced by the Ontario government, Ontario consumers will have more choices when it come to their car insurance coverage and premiums. In fact, you may have already received a letter in the mail from your insurance company which includes a brief description of these changes coming into effect. To help you better understand the most important changes and your options, we've summarized the major coverage categories of your policy and how they will be affected when the new laws come into effect.

Have you ever wondered how providers determine your car insurance premiums? If you have, you certainly aren't alone! If you think you might be paying too much for car insurance, recognize that the following factors have an impact on your premiums. These factors can help you understand your rates, and better yet, how you might be able to reduce your premiums by making a few simple changes.

Motorcycle owners must have insurance by law. But each insurance company makes its own assessment of risk when setting rates for a given rider, which makes rates vary.