News For New Car Insurance Rates This FREE service will inform you on companies offering the lowest rates... call 416-686-0531 or visit www.insurancehotline.com! Rates can vary either way by hundreds of dollars! A new auto insurance rating system has been implemented in Ontario and now rates have changed considerably. There are over 65 insurance companies offering different rates for the same car and driver, such as Royal Allstate, Pilot, Dominion, Zurich, etc. The Consumer’s Guide to Insurance has consolidated Insurance company rate information and you can gain access to it, without charge, through your touch-tone-phone. Savings In some cases drivers have found their savings have been beyond shocking. One driver from Mississauga was paying $972 and should have been paying $629. Another driver living in Scarborough was paying $1,547 and should have been paying $967. Still another driver from Toronto was paying $1,781 and should have been paying $1,027. That is over $700! "Painful" is the accurate word here! How does it work? First call 416-686-0531. This automated service asks the following questions: • What city do you live in? • How many cars do you drive? • How many drivers? • What is the make of your car? • What is the year of your car? • What is the model of your car? • What is your annual mileage? • For Business or Pleasure? • Liability Coverage? • Collision Coverage (Decline or Deductible)? • Comprehensive Coverage (Decline or Deductible)? • Your sex? • Your age? • Status (Married or Single)? • Years Insured? • # of claims (at fault accidents)? • # of convictions -- # of traffic violations in the past 3 yrs. • Non-Payment -- Never canceled or # of times canceled. This call takes approximately 10 minutes. Immediately, you are given the names of the insurance companies, the 3 lowest rates and telephone numbers. Call Now! 416-686-0531 or visit www.insurancehotline.com. What is a "Safety"? From the Ministry of Transportation: Safety Standards Certificate is required to register a used motor vehicle as fit certifies the road-worthiness of the vehicle at the time of inspection can be obtained at any licensed Motor Vehicle Inspection Station in Ontario for a fee is valid for 36 days from the date of the inspection, signed by an authorized mechanic.  You will be asked to produce an S.S.C. when:  • Registering a rebuilt motor vehicle.  • Transferring a used motor vehicle to a new owner as fit.  • Registering a motor vehicle in Ontario that was previously registered in another province or country.  • Changing the status of a vehicle from unfit to fit.  Safety Standards Certificate Inspection Items for Passenger Vehicles  A Safety Standard Certificate is not a warranty on the condition of the vehicle.  Components checked include: body and frame, brake system, seats and belts, horn, gas pedal, mirrors, windshield, windows, wipers, washer system and defrost, light systems, steering systems, suspension systems, fuel systems.  Your car should pass if:  • It is generally sound in body and electrical components and you can operate the car with a reasonable expectation of safety. • Or your car could pass if you have a mechanic friend who is willing to sell you a "fake safety". • Please be advised that Aapex doesn't recommend the purchase of these faked documents, but as a service to our clients we wish to make you aware of their existence. • The "fake safety" may have the most impact upon you if you are considering the purchase of a vehicle due to its achievement of a safety certificate. Since fake safeties exist and since legitimate safety certificates don't validate engine soundness or performance, a safety is not a satisfactory reason to purchase a specific vehicle. • Have a mechanic you trust or that comes recommended check the vehicle for potential problems. In this case, a penny spent will be many dollars saved!