Winter Ready Insurance Tips

There are many things Canadians need to do to get ready for winter but there are a few really simple things that can be done to reduce your risk of having an insurance claim.
For auto insurance, it is simple.  Winter tires ARE worth the hype.  Winter tires are made of a compound that will stick to snow and ice.  All season tires become slick and will not grip nearly as well as a good set of winter tires. 
Another key tip is to make sure that the entire vehicle is properly cleared of ice and snow prior to driving away.  This will allow for better visability as well as cause less of a distraction to other drivers who will not have the snow from your vehicle flying towards them as they drive behind you on the road.
For home insurance, the big thing related to wood heat.  Make sure that your Solid Fuel heating system is in accordance with WETT (Wood Energy Technical Transfer) standards.  For a list of WETT inspectors and chimney sweeps in your area, check out the website at http://www.wettinc.ca/.  Having your chimeny swept will keep it clear of blockages and keep it clean of creosote, a black tar substance that is know to cause chimney fires.
Any further questions can likely be answered by your local Insurance Broker.
http://www.kloepferinsurance.ca/

Auto Insurance For Any Driver 905-425-0729 - Why to quote drivers with multiple convictions

Many Insurance Brokerages will avoid quoting clients who have a history of convictions on their driving record or they will give a high quote in order to get the client to search elsewhere.  This remains a mistery to our firm as we understand that sometimes it is just bad luck and sometimes it is lack of educating the public of what these "minor speeding" or "traffic light" convictions can do to your insurance rates.  Often I will hear "it was only a minor speeding, I didn't get any points so why are my rates going up?".  These misconceptions should be explained to clients by their broker in order to stress the importance of keeping the driving record clean of even minor incidents.   At James W. Kloepfer Insurance Broker, we will help you rebuild your credibility amongst the insurance companies.  We feel that you deserve a second chance and with lessons learned, you are now willing to take the traffic laws more serious.  We are able to properly educate our clients on the importance of a clean record and the amount of money they can save once their current convictions come off their record.   Most of the times we find that drivers who have had poor driving records are able to rehabillitate their driving record and continue to drive smart in order to keep their rates low into the future.