When was the last time that you took time to thoroughly review your Canadian car insurance policy? For most people, it was far too long ago. As a result you may be under-insured or paying too much for car insurance. The following ways may help you to save some money on your insurance needs.

Start the process by doing an evaluation on your current insurance needs. Persons that have only the state minimum amount of car insurance may be surprised to find that they are often under insured. Take a moment to stop and think about the costs of an automobile accident. In addition to your own vehicle, you could be responsible for the other vehicles. Today, new vehicles cost two to five times some provinces minimum amount of car insurance. The courts could find you liable for any amount your insurance company does not pay.

Additionally, you may be responsible for medical expenses related to injury or death of the occupants of the other vehicle. Again you may find that your province does not require you to have enough insurance to meet lost wages or a serious injury in an accident.

If you are looking to save money and your vehicle is several years old, you may want to drop all insurance other than liability insurance. The rule of thumb is that the owner of a car that is valued at less than two thousand dollars, should not carry full coverage insurance on that vehicle. The owner will pay more for insurance each year than he or she will get back in an insurance settlement even if the vehicle is totaled. You are better off putting the premium difference in a savings account.

After deciding the amount of insurance that is needed, you will want to contact several companies that sell insurance to request a rate quote for car insurance. Tell the person you deal with what your requirements for insurance are and ask for a free quote. If you are asked to pay f fee for a rate quote, move on. You will find plenty of agents or companies that will be more than happy to provide the free quote.

Many customers use the internet as an excellent way to get a free rate quote. Those quotes can then be used for the comparison. Another advantage of the internet is that you do not have to deal with pushy insurance salespersons that put high pressure on you to buy their insurance when you only need a quote. This method also keeps you from having to wait for the agent to call back with the quote and gives you the quotes in a format that will allow for easily printing the quotes for review.

When changing insurance policies be sure that the new policy will take effect as soon as the old one expires. Provinces are cracking down on uninsured motorist and you could have to pay a fee if there is a lapse of coverage for car insurance.

Many provinces in Canada now require that the insurance companies notify the state electronically when a policy ends. Some provinces then send an automated letter requesting proof that your insurance did not lapse without a replacement. There may be sever consequences if the policy does lapse.

About the Author: Roadside assistance Ontario is absolutely essential to achieve a peace of mind. By joining a membership, you will experience benefits such as Ontario car insurance. Now you can enjoy your trip with no worries! For more details about auto insurance, please visit us.

Dodge Chrysler 2.7L Engine Problems, Oil Sludge, Defects and Failure

By: John Stanley

From 1998-2000 2.7L Engines are prone to premature catastrophic engine failure due to a defectively designed Timing Chain Tensioner that Chrysler quietly redesigned. Unfortunately, many consumers have had to pay out of their own pockets for this while Chrysler avoids responsibility.

From 1998-2004 Dodge / Chrysler 2.7L Engines are prone to Oil Sludge often caused by internal coolant leakage that has to do with the design of the Water Pump that allows coolant to enter the Engine over time and cause oil sludge, experts at a well known remanufacturing company say. The second common cause of engine sludge is from poor oil circulation caused by oil passages that are too narrow causing the oil to wear down more rapidly unlike normal engines. Another contributing oil sludge factor is possibly due to an inadequately designed PCV system that can also accelerate engine oil breakdown, which Chrysler later made improvements to for the 2005 model year along with other changes knowledgeable sources state. Although Chrysler is aware and there is nothing consumers could have done to cause this, Chrysler still regularly blames consumers for 2.7L Engine Oil Sludge.

Chrysler is aware of certain problems and vulnerabilities the 2.7L Engine is prone to have and has quietly made various design changes over the years such as redesigning the Timing Chain Tensioner that was prone to premature failure in 2000, to making changes to try and prevent internal coolant leakage over time into the crankcase. For 2005, changes included improvements to the PCV system and for oil circulation, to even later increasing oil capacity by an extra quart in an attempt to make the engine more robust. Unfortunately, even with all of these modifications we have been informed of premature Dodge / Chrysler 2.7L Engine failures in 2006 Dodge, Chrysler vehicle models.

Chrysler refuses to cover prematurely failed engines even when under its own 3 Year / 36,000 mile warranty while blaming consumers for these problems. These problems are so common and so well known that extended warranty companies also decline to cover Chrysler 2.7L engines. In many cases consumers have changed or had their oil changed every 3,000 miles with name brand motor oil. Many consumers have been able to provide proof while Chrysler still refuses to cover failed 2.7L engines under warranty. It is a common misconception that sludge is caused by brand or type of motor oil since all motor oil sold must meet the same basic standards. However, if the oil was changed regularly then Chrysler might say ‘it must be the brand or type of oil you used then’. If you can prove that you used a leading motor oil, ‘where did you have it changed?’. Chrysler might then tell you they are not going to be able to cover it then because you changed your oil yourself or had it changed somewh ere else. In fact Federal Law (Magnuson-Moss Act) prohibits an automobile manufacturer to void a warranty or deny warranty claim based on using aftermarket tune up or maintenance parts, such as spark plugs or motor oil for example or 3rd party service, unless provided free of charge. There are other consumers who have followed the intervals recommended by Chrysler in their vehicle’s owners manual that state oil changes up to every 7,500 miles are acceptable in normal conditions where they’ve changed their oil every 5,000-6,000 miles only to be told ‘you didn’t change your motor oil enough and your engine failed due to neglect’. In fact, Chrysler even currently recommends oil change intervals of every 6,000 miles for normal conditions in current owners manuals. When vehicles are purchased used from dealers and used car lots where consumers often believe they have no proof of regular oil changes prior to their ownership, Chrysler typically automatically refuses warranty claim s blaming the previous owner. When a consumer has proof or reg ular 3,000 mile oil changes performed by a dealer we’ve heard of Chrysler going as far as to blame the dealer’s lube technician!

To find out more and how to fight this, visit http://www.dodgechryslerengineproblems.com

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2399.shtml