The deductible is one of the most important options you will select on your car insurance policy. This is because it directly impacts how much your insurance premium will cost and the amount you agree to pay out-of-pocket in the event of a car accident or a claim.

The main purpose of insurance is to protect you in the event of an accident — whether or not you are responsible — in exchange for a premium charged by the insurance company. Your insurance company determines how much you'll pay for insurance by assessing the answers you disclose on your auto or home application.

Drivers in Ontario are about to get hit with car insurance rate hikes. Are you going to be affected? Find out what you can do about it.

How Does InsuranceHotline.com Work?Users complete a simple online form, answering the same basic questions asked by most insurance brokers and agents.The process typically takes 5-10 minutes. InsuranceHotline.com then runs this information against its database of over 30 insurance companies to find the lowest rate available through its large...

Why Use InsuranceHotline.com?The rates charged by different car insurance companies to insure the same car and driver, for the exact same policy, can vary by hundreds and even thousands of dollars, so it pays to shop around. But shopping around by making dozens of phone calls can be...

At InsuranceHotline.com, we receive many great questions from our readers. This month, we'd like to share our top 10 Q & As with you.

You're driving along the highway and a stone flies up and hits your windshield. It starts out as a little line and before you know it, you have a cracked windshield. The location of the crack could compromise the structural integrity of the glass, not to mention impair your vision while driving.

Perhaps you're thinking about buying a home in that older, more established neighbourhood you love. Know that if you're going to have a mortgage on your home, you are going to require home insurance. And also know that insurance companies require that certain upgrades be made on older homes before they will offer coverage.

There has been a lot of coverage in the media recently over distracted drivers. With Bill 118 (which outlines the ban on handheld cell phone use while driving in the Province of Ontario) likely to come into effect in October 2009, do you know what penalties you may have to pay if you're found guilty of talking or texting while driving?