Ammar Dalal

We will find you the best rate in the market ! Call us today for your free no obligation Insurance quote: 416-566-2507 15-20% discount on combined Home & Auto policy... Satisfaction guarantee!

As of January 1st 2016 Driving and road rules -Winter tires Insurance companies will have to provide a discount for drivers who buy and install winter tires, in an effort to help lower auto insurance rates.... -Rules of the road The Making Ontario’s Roads Safer Act stipulates drivers will be required to remain stopped at a pedestrian crossover or school crossing until everyone is off the roadway. Also, pedestrians will be prohibited from entering a crosswalk if the vehicle is so close that the driver cannot stop. -Self-driving cars Ontario will become the first province in Canada to test self-driving cars on provincial roads using automated vehicle (AV) technology. The self-driving vehicles are capable of detecting the surrounding environment using artificial intelligence, sensors and global positioning systems. Have a safe drive ....

Merry Christmas and Happy Holidays to all my clients, friends and family!

Your daily tips and advice with Ammar: Secrets to Cheaper Auto Insurance: Improving your driving record: Do you have a bad driving record? Every three years previously incurred tickets are removed from your insurance history and your insurance premiums can go down.

Your daily tips and advice with Ammar: Secrets to Cheaper Auto Insurance: Repair costs: Choose a car that would cost less to repair in case of damage. The repair costs for certain cars (e.g. Mini Cooper or BMW) are higher than other (e.g. Ford Focus) and insurance providers are aware of that.

Your daily tips and advice with Ammar: Secrets to Cheaper Auto Insurance: Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount. Students: Being a student alone can result in a student discount.... Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers. Employee / Union members: Some companies offer discounts to union members. Seniors: Many companies offer special pricing to seniors.

Your daily tips and advice with Ammar: Secrets to Cheaper Auto Insurance Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.

Your daily tips and advice with Ammar Rental car rider: If your existing auto insurance policy does not cover your rental car, you can often add it as a rider (policy extension) for $20-30 dollars a year. Compared to $20/day you would pay when renting a car, it’s not a bad deal!

Your daily tips and advice with Ammar: How to fix a water-damaged iPhone, Apple Watch or other smartwatch or fitness band? Rice is amazing at sucking up water. Grab a big bowl, then into the bowl goes your wet phone, wet smartwatch or wet activity tracker and enough rice to adequately cover it. Now forget about it for 24 hours. Only when the time is up should you reassemble your now hopefully dry device and attempt to switch it on. If it doesn't work, stick it back in the rice and try again the following day. On the third or fourth unsuccessful attempt you should begin to consider noting the time of death.

Your daily tips and advice with Ammar: How much LIFE insurance do you need? Use the DIME calculation. D = Debt. If you were to die tomorrow, how much debt would you leave behind? If you’re not independently wealthy and haven’t prepared with life insurance, all of that debt gets passed on to your family. So your life insurance policy should cover any debt. You’ll also want to include funeral expenses in that debt figure.... I = Income. Your life insurance policy needs to provide a sufficient income for your family to maintain its standard of living until the youngest child turns 18. M = Mortgage. If you’re still paying on a mortgage, your life insurance policy should pay off the remaining balance of your mortgage loan. E = Education. If you have children, do you plan to send them to college? If so, you should budget for a four-year university education. That includes tuition fees, room and board, and books. You can contact me at 416-566-2507 if you need further information.

Your daily tips and advice with Ammar: Use bread tabs to organize your cords. Put label on each plug in your power strip so you know what goes where.

Your daily advice with Ammar: Unblock drains using half a cup of Baking soda and a cup of vinegar.

Your daily advice with Ammar: Secrets to Cheaper Auto Insurance Coverage from one company to the next can vary by hundreds, if not thousands of dollars. To make sure you are getting the best base price for your policy is to compare, and thats what an insurance broker can do for you at no extra cost. You can contact me at 416-566-2507 if you need further information and to discuss your current coverage and see if your home/auto/business are properly covered.

Your daily advice with Ammar: Secrets to Cheaper Auto Insurance Insure both your car and home with the same company This will qualify you for a discount called the "Multi-line discount".

Your daily advice with Ammar: Secrets to Cheaper Auto Insurance Make sure all your cars are on the same policy Customers who insure more than one car on the same policy, get a "Multi-vehicle discount".

Your daily advice with Ammar: Secrets to Cheaper Auto Insurance Older car? Think about dropping your collision coverage If your car is getting up there in age, you may want to think about dropping the collision coverage on your policy. You need to think about this one though - it's not always a clear-cut decision. You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that was worth about $1,000, and your deductible was $1,000, that collision coverage is not going to be worth a hoot.

Your daily advice with Ammar: Secrets to Cheaper Auto Insurance New driver? Take a driver's training course Licensed drivers who have completed an approved drivers training course in the last 3 years pay lower premiums.