Ever wondered how your car insurance premium is calculated? What factors are taken into consideration? Why you are asked so many questions?

With the first day of school approaching, drivers can expect to encounter young children commuting to school for the first time in almost 3 months. Many drivers can be particularly unprepared for the increased road traffic, crossing guards, bicyclists and pedestrians during the morning and afternoon drive times.

Over the next few weeks most college and university bound students will be packing up personal belongings and getting ready for the move away from home to enjoy the much anticipated "campus life". But before packing away laptops, televisions and iPods, students would be wise to have parents review their insurance policy to ensure valuable personal items are sufficiently covered in case of accidental loss or damage while away at school.

Fraudulent activity occurs in the business world and the insurance industry is no exception. The Insurance Institute of Canada estimates that 10 to 15% of insurance claims in Canada are fraudulent and the latest insurance scam in Ontario involves the sale of fraudulent auto insurance policies to unsuspecting drivers.

Effective July 2nd 2008, all Canadian drivers caught driving under the influence of drugs or alcohol will no longer be able to refuse roadside sobriety tests and will now face tougher penalties including the following.

It's a beautiful Saturday morning and you decide to take your car out for a spin. But when you open your front door, you discover your vehicle has been stolen right from your own driveway. Immediately you ask yourself "out of all the cars in the world, why steal mine?"

There is no specific age when a person is legally required to stop driving. It's important to understand getting older doesn't necessarily turn people into bad drivers. Drivers between the ages of 55 and 70 have the lowest rate of collisions of any group in Canada as presented at the Aging Driver Mobility Forum in Toronto. However, once over the age of 75, the collision rate is similar to that of young beginner drivers.

When planning a vacation, most people search for the cheapest airline ticket and for a hotel with the best reviews, but the majority of vacation planners fail to take the necessary precautions to secure their home. Thieves prey on homes that appear unoccupied for extended periods of time.

Here are a few little known facts about tickets: