Shopping for the best auto insurance in Canada can be confusing. This can lead to you making costly mistakes, such as failing to protect your assets with the correct auto insurance policy.

But, don’t worry. With this guide, we’ll outline the top 5 mistakes that Canadians make when shopping for auto insurance. With our help, you’re sure to find the coverage you need.

Failing to Shop Around

This is the most common mistake Canadians make – not shopping for insurance at all!

Many Canadians simply renew their insurance policy every year, without taking a look at the insurance market to see if they can find a better price or coverage.

Tickets and accidents can increase your insurance rates. So, if you have driving infractions on your record, shopping around for a new policy is especially important. If you stay with the same insurer, your current policy may reflect the price of coverage immediately post-accident. This means that you can end up overpaying for your current policy.

Purchasing Only Minimum Liability Coverage

Many Canadians think that “minimum liability coverage” means that they’re protected when they get involved in an accident. In a way, this is true.

Minimum liability coverage allows you to drive legally in Canada. However, it does not guarantee the safety of your assets. It also does not guarantee that an accident will be fully covered by your insurance policy.

For example, if your minimum liability coverage policy covers $25,000 in damages and you get involved in an at-fault wreck with an expensive car, you can be held liable for damages above $25,000.

While it’s tempting to only purchase minimum liability coverage to save money, this is usually a bad idea. Do a bit of research and consider your current financial situation. Protecting yourself with a higher liability policy is usually worth the investment – even if it results in a slightly more expensive policy.

Focusing Only on the Price of Insurance

A cheap policy might be a great fit for your wallet but when it comes to coverage, it may not be enough. Instead of buying the cheapest insurance policy you can find, closely check for coverage.

If it’s important for you to have an easy claims process and a high level of customer service, you should consider how much that’s worth. Remember, the cheapest policy may not always be the best policy to cover everything you need.

Choosing a Deductible That’s Too Low

Choosing a low deductible is a very common mistake when shopping for auto insurance. If you choose a low $500 deductible, for example, you may end up paying thousands of extra dollars in premiums over the next several years– even if there’s no accident.

A higher deductible allows you to keep more cash in your pocket while making sure your car is covered in case it gets damaged in an accident. So, while choosing a higher deductible may increase your out-of-pocket expenses during a claim, the savings offered by a lower monthly premium can easily make up for this.

Lying On Your Auto Insurance Application

Some drivers may lie about their driving records while others may lowball the total number of miles they drive each year. Some may neglect to mention that they’re driving their vehicle for business purposes.

Insurance companies will fact-check every aspect of your application. If you do manage to get away with misrepresenting the truth, you’re putting yourself at risk.

If your insurer sees that you’ve hidden facts on your application, they may void the insurance contract. Non-disclosure cancellations stay on your record, which means you won’t be able to purchase insurance through a regular market. Instead, you’ll have to turn to “high risk” insurance carriers, which means a higher insurance rate. Lying is not worth the savings you may get.

Conclusion

By avoiding these common insurance shopping mistakes, you can make sure that you get all of the automotive coverage you need– with no surprises. So, next time you shop for the best auto insurance, consider these tips.

The post Top 5 Mistakes to Avoid When Shopping for The Best Auto Insurance in Canada appeared first on Dumb Little Man.

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In recent years, homeschooling has become especially pronounced. In the United States, government data shows that the number of homeschooled students more than doubled over a period of just eight years.

Whatever the reason is, it’s clear that more and more parents are finding homeschooling attractive. This raises an important question: What’s the best way to ensure that the homeschooling experience is engaging, enjoyable, and optimized for educational achievement?

For many tutors and teachers, the use of a virtual classroom is one of the most effective ways to enhance the learning experience.

Let’s take a closer look at virtual classrooms and how they can be leveraged to improve the homeschooling process.

The Evolution of the Homeschooling Experience

A generation ago, homeschooled students were taught by parents who would make use of paper textbooks, public libraries, and other related resources to round out the curriculum. This wasn’t an ideal scenario since even well-educated parents don’t have enough expertise in all subject matters. With just a single parent teaching, the process was also highly labor intensive, making it a demanding experience for tutors.

As homeschooling has grown and evolved, parents began creating tutoring groups to share the burden of teaching and allow students to get a wider range of expertise from their instructors. For example, a parent or tutor trained in medicine could teach biology while a parent trained in engineering could teach math. This made the learning process more efficient.

See Also: Should I Homeschool My Kids?

Technology, too, has had a critical impact on homeschooling. The days of exclusively using dusty textbooks and libraries are over. Today, tutors can use a wide range of digital tools to reach out to homeschooled students. This makes the learning process more engaging, efficient and effective.

Virtual classrooms have the most impact out of these tools and here’s why:

Face-to-face instruction at home

For the uninitiated, a virtual classroom is simply an online version of a physical classroom. Students and tutors log on to an online learning platform where they can interact with each other, share video and audio and take online courses. Students and tutors interact face-to-face in real time and can collaborate closely to achieve educational goals.

Engaging learning

Today’s students are comfortable in online environments. In fact, they do well with digital learning tools. Advanced virtual classrooms offer tutors access to comprehensive online teaching features, allowing them to craft highly engaging, student-centered courses.

Monitored learning

They also offer social features that keep students focused and in a collaborative frame of mind. They also have tracking tools that allow tutors to monitor student progress as it unfolds. If a student begins to fall behind, a tutor can quickly intervene and correct the course.

International exposure

Scale and access are also key virtual classroom advantages for both tutors and learners. Because virtual classrooms offer a global reach (tutors can log in from anywhere and conduct a lesson), they represent a powerful tool for expanding a student’s access to high-quality education.

Social needs

Virtual classrooms also play a key role in connecting people. Many of these platforms include services where tutors can advertise their specialties. Parents can then contact them to arrange lessons.

Those involved in the homeschooling process are often motivated by strong beliefs. For those who live in smaller communities, it may be difficult to find others who share the same motivations. Being separated from the educational community can be isolating and that is where virtual classrooms fit.

They play a key role in connecting people who share similar beliefs and who seek to form their educational communities around the same principles.

The balance between diversity and like-mindedness

We’ve talked about the power of establishing a tutoring group. While this offers tons of benefits, it’s not always easy to find like-minded or qualified people in a given community.

Even in a large, well-organized group, there are often gaps in expert knowledge. Virtual classrooms can end this problem permanently. With the use of a digital platform with global reach, teaching experts are just a few keystrokes away.

Win-win for tutors and students

Tutors who live in areas where their specialty knowledge may not always be in demand can use virtual classrooms to ensure a steady stream of business. In this sense, virtual classrooms play an essential role in connecting homeschooled students with the best and brightest tutors.

Anyone who is involved with homeschooling knows about the dual roles parents fill. That role can expand, however, through the use of a virtual classroom. Many parents have found that their expertise is a valuable market commodity. By using an online learning platform, they can share that expertise with other learners and become part of a global group of educators.

The Takeaway

For a variety of reasons, homeschooling continues to surge in popularity. Fortunately for today’s tutors, parents and students, virtual classrooms are making the process easier, more engaging, and more effective than ever before.

Additionally, thanks to the truly global scale of today’s virtual classrooms, tutors have access to an ever-growing marketplace where demand for their expertise is rising. As homeschooling continues to grow in popularity, virtual classrooms will become even more powerful and refined, making them a tool of critical importance for global educators.

See Also: Technology in the Classroom — Should Technology Take Over The Education System?

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