Changes to Ontario Auto Insurance give you the consumer more Choice.

On September 1, 2010, changes are coming to auto insurance in Ontario. Additional accident benefit choices will allow you to customize your policy to suit your needs. These choices, will give you greater influence over the price you pay for insurance. Pricing will vary based on the benefits YOU purchase.

These reforms and new benefit choices take effect Sept 1, 2010. Your policy will remain unchanged until your next renewal. At that time, you will need to contact our office and advise us, what you would like for coverages and discuss your options.

We encourage you to read the documents, you will soon get in the  mail from your insurance company. Carefully review all the changes as your coverages will be effected.

Stay tuned for more information. For specific information call our customer service representatives at Expo insurance brokers,or for general information try the Insurance Bureau of Canada at www.ibc.ca

Expo Insurance Brokers Inc.

Your credit score is a snapshot or summary of your financial health at a specific point in time. Equifax and Trans Union are two large credit reporting agencies here in Canada. They use a scale that starts at 300 and goes all the way to 900 in determining your score. The higher the score on the scale the better you look to lenders. Remember that high numbers indicate lower risk for the lender.

A higher rating increases your ability to borrow money through a financial institution and qualifying for financing at a preferred rate. Healthy credit is important when applying for a line of credit, mortgage or car loan.

Variables such as outstanding debt, spending patterns and payment history are used to determine your individual credit score.

Ways to increase your credit score and look good to a lender, pay your bills by the due date.Pay your debt off in full or at very least meet the minimum payment on your credit card. Keep in mind each time you open or apply for credit it effects your credit score.

Recent changes in Ontario prohibit Auto Insurance Companies from using individual credit scores to rate  auto insurance which would effect your final premium.

Expo Insurance Brokers Inc.

YOUR SUPPORT IS NEEDED For Cysticfibrosis.

CarStar Location 2795 Argentia  Rd Mississauga

Join us on Saturday, June 12th for CARSTAR’s 7th annual Soaps it Up for Cystic Fibrosis National Car Wash.

Purchase your advance tickets online today or make a donation to the Canadian Cystic Fibrosis Foundation.

TICKETS ARE A MINIMUM OF $5

Visit www.carstar.ca and click the Soaps it Up icon to see how you can help.

To date, CARSTAR, its franchisees and partners have raised more than $1.7 million in funds for the Canadian Cystic Fibrosis Foundation through this event and other initiatives.

For more information about cystic fibrosis, visit www.cysticfibrosis.ca.

Help us make every breath count!

Carstar Quality Collision Mississauga is Happy to Be Part of the Team.

Effective September 01,2010, changes are coming to auto insurance here in Ontario. Additional accident benefit choices will allow you to customize your policy to suit your needs. These choices will give you more control over the price you pay for your insurance policy.

Price will vary based on the benefits you purchase. Rates will not be going down. These changes will stabilize the premiums in Ontario Only, not reduce.

These reforms to your policy take place September 01 2010. Your policy will remain unchanged until your next renewal. At that time , you will be provided with more information from your Insurance Company on the changes and your options. Feel free to contact our office for any information that is unclear or you wish to have clarified. It is important you understand your options and how your choices will effect your coverage.

For General information you can call our office or search the web sites of the Insurance Bureau of Canada www.ibc.ca or The Financial Services Commission of Ontario www.fsco.gov.on.ca

Changes to your Auto Insurance will give you more choice and will stabilize the price you pay on auto insurance not reduce prices you pay.

Expo Insurance Brokers Inc

Harmonized Sales Tax (HST) is coming into effect on July 1st 2010 here in Ontario. Several clients have called into our office with questions about how the HST will affect their insurance premiums.

The HST will not affect property or automobile premiums. The 8% Provincial Sales Tax (PST) will remain on property while automobile premiums will continue to be exempt.

Details as to all items that will be effected by the new tax can be found at http://www.rev.gov.on.ca/en/taxchange/index.html

Have a fantastic day

Expo Insurance Brokers

Expo Insurance Brokers Office will be closed on Family Day Monday Feb 15 2010.

If your looking for things to do with your family this family day, stay in the city or travel up north, for lots of fun ideas try this Ontario Government Link for all sorts of fun things to do together here in Ontario.

Enjoy your Holiday with your family.

Expo Insurance Brokers Inc.

Are you planning a winter escape this year ?

Don’t forget to take some easy quick steps to protect your home from a potential water damage claim. Before leaving, set  your thermostat at a appropriate temp , we don’t want a pipe to freeze and burst causing water damage. Have a friend or family member check on your home daily to ensure the furnace is working. More simple tips can be found at “Protecting your Home from Water Damage” download PDF

Please also feel free to call our office and talk to one of our Customer service representatives at any time with questions.

Expo Insurance Brokers