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	<title>Good Hands Advice » Allstate &#187; Auto</title>
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	<itunes:summary>Knowledge and tips for staying safe and informed</itunes:summary>
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		<title>Risk of impaired driving due to drugs on the rise among teens</title>
		<link>http://goodhandsadvice.ca/en/advice/2012/risk-of-impaired-driving-due-to-drugs-on-the-rise-among-teens/</link>
		<comments>http://goodhandsadvice.ca/en/advice/2012/risk-of-impaired-driving-due-to-drugs-on-the-rise-among-teens/#comments</comments>
		<pubDate>Tue, 15 May 2012 20:46:26 +0000</pubDate>
		<dc:creator>EMichalko</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[Driving]]></category>
		<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://goodhandsadvice.ca/en/advice/?p=1530</guid>
		<description><![CDATA[Allstate Canada urges parents to help educate teens about dangers of driving while under the influence of drugs
 TORONTO — May 15, 2012 — A recent Canadian study published in the British Medical Journal finds that teens who drive within three hours of smoking marijuana are twice as likely to be in a car collision.[1] Allstate [...]]]></description>
			<content:encoded><![CDATA[<p><strong><em>Allstate Canada urges parents to help educate teens about dangers of driving while under the influence of drugs</em></strong></p>
<p><strong> </strong><strong>TORONTO — May 15, 2012</strong> — A recent Canadian study published in the <em>British Medical Journal</em> finds that teens who drive within three hours of smoking marijuana are twice as likely to be in a car collision.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn1">[1]</a> Allstate Insurance Company of Canada and MADD Canada are concerned about all forms of impaired driving and are asking parents to speak to their young drivers about this dangerous behaviour.</p>
<p>“Car collisions are the leading cause of death among Canadian teens,” says Karen Benner of Allstate Canada.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn2"><sup><sup>[2]</sup></sup></a> “We’re concerned that many teens don’t know how dangerous driving under the influence of drugs can be. Misconceptions among young drivers may be contributing to the number of injuries and fatalities on the road.”</p>
<p><strong>Canadian teens and driving while under the influence of drugs</strong><br />
While some drivers believe taking drugs like marijuana will not affect their performance behind the wheel, it has been proven that marijuana use makes it hard to judge distances and severely impedes reaction times. Research also shows that new smokers are more likely to feel stronger and more impairing effects of the drug. According to the Canadian Centre on Substance Abuse (CCAS), 47 per cent of all drivers 19 years of age or younger who died in traffic fatalities between 2000 and 2007 had tested positive for either alcohol and/or drugs.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn3">[3]</a></p>
<p>“Teen fatalities in car collisions are not only caused by immaturity or lack of driving experience, but are often a result of risky patterns of behaviour like choosing to get into a car with someone who has been drinking or doing drugs,” says MADD Canada’s national president Denise Dubyk. <strong> </strong></p>
<p>The CCAS has also published data showing driving while under the influence of drugs is becoming more common than drinking and driving in some areas of the country. Within at least the last twelve months, there were more Grade 12 students in New Brunswick, Nova Scotia, Newfoundland and Ontario who admitted to driving while under the influence of drugs than students who said they got behind the wheel after drinking.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn4"><sup><sup>[4]</sup></sup></a></p>
<p>“After alcohol, marijuana is the most common drug used by teens,” says Dubyk. According to MADD Canada, young Canadians ages 15 to 24 make up 60 per cent of people who have or are currently using illegal drugs.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn5">[5]</a></p>
<ul>
<li>Survey data from the Centre for Addiction and Mental Health found that seven per cent of high school drivers reported drinking and driving and 12 per cent reported smoking marijuana and then driving.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn6">[6]</a></li>
<li>Between 14 and 21 per cent of students in Grade 12 report driving within an hour of using cannabis and 33 per cent say they have been in the car with a driver who is high.<a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_edn7">[7]</a></li>
</ul>
<p><strong>Safe driving can start at home</strong></p>
<p>Allstate Canada is committed to making a positive difference across the country by advocating for community safety and responsible driving. “We want to encourage parents to talk with their kids about the dangers and consequences of driving under the influence of drugs, so we’ve created some materials to help parents get started,” says Benner.</p>
<p>At <a href="http://www.goodhandsadvice.ca/">goodhandsadvice.ca</a>, parents can learn more about insurance for their young driver; they can watch a <a href="http://goodhandsadvice.ca/en/advice/2010/young-and-newly-licensed-drivers-especially-vulnerable-to-drugging-and-driving-during-holidays/">video</a> about the dangers of driving while under the influence of drugs and sign a <a href="http://goodhandsadvice.ca/media/contract-en.pdf">safe driving contract</a>. The contract outlines a teen’s driving responsibilities as well as the consequences for not following through.</p>
<p>It’s also important that young drivers understand the criminal consequences of driving impaired. If a teen (aged 18 or older) tests positive for alcohol or drugs at a roadside stop two things will automatically happen:</p>
<ul>
<li>They will have their licence suspended for 90 days</li>
<li>They will likely be charged under section 253a or 253b of the Criminal Code of Canada.</li>
</ul>
<p>If convicted:</p>
<ul>
<li>They will be fined a minimum of $600</li>
<li>They will have their licence suspended for a minimum of one year</li>
<li>They will likely be ineligible to buy insurance from a standard insurer for at least three years</li>
<li>They may have difficulty finding employment.</li>
</ul>
<p>At <a href="http://www.madd.ca/">madd.ca</a>, parents can also find more information about impaired driving and some interactive educational material to share with their kids. Interactive sites like <a href="http://www.hbcreative.com/whydrivehigh/">Why Drive High</a>, developed by Ottawa Public Health and Carlington Community and Health Services demonstrates how drugs interfere with hand eye coordination. Parents should also visit <a href="http://www.goodhandsadvice.ca/">goodhandsadvice.ca</a> to learn more about safe teen driving and to find information to help start a conversation with their teens about responsibility on the road.</p>
<p><strong> </strong><strong>About Allstate Insurance Company of Canada </strong></p>
<p>Allstate Insurance Company of Canada is one of Canada’s leading producers and distributors of home and auto insurance products. &#8220;The Good Hands Network®&#8221; enables consumers to contact Allstate Canada through one of 92 community-based Agencies, directly online at <a href="http://www.allstate.ca/">www.allstate.ca</a> and through the Customer Contact Centre at 1-800-Allstate. Allstate Canada is committed to making a positive difference in the communities in which it operates. In 2010, Allstate Canada, in partnership with the National Hockey League Players’ Association (NHLPA), created the Allstate All-Canadians program, a mentorship program designed to create future community leaders through the sport of hockey<strong>. </strong>Learn more about this program at <a href="http://www.allcanadians.com/">www.allcanadians.com</a>. To learn more about Allstate Canada, visit <a title="http://www.allstate.ca" href="http://www.allstate.ca/">www.allstate.ca</a>.</p>
<p> <strong>About MADD Canada</strong></p>
<p>MADD Canada (Mothers Against Drunk Driving) is a national, charitable organization that is committed to stopping impaired driving and supporting the victims of this violent crime. With volunteer-driven groups in more than 100 communities across Canada, MADD Canada aims to offer support services to victims, heighten awareness of the dangers of impaired driving and save lives and prevent injuries on our roads. For more information, visit <a href="http://www.madd.ca/" target="_blank">www.madd.ca</a>.</p>
<p><strong> </strong><strong>25 Years of Partnership</strong></p>
<p>This year, MADD Canada and Allstate Insurance Company of Canada celebrate 25 years of partnership in the effort to stop impaired driving. Allstate Canada has been the lead sponsor on all MADD Canada programs at various times over those years, and has also been a supporting partner in the publication of numerous statistical, research and liability reports. Currently, Allstate Canada is the National Sponsor of the 2011-2012 <em>School Assembly Program</em>, Title Sponsor of <em>Project Red Ribbon</em> and Official Sponsor of <em>Campaign 911</em>.</p>
<p>-30-</p>
<p> For more information about keeping your teens safe on the road or to speak with Karen Benner, Allstate Canada’s official spokesperson, please contact:</p>
<p>Jennifer Fox</p>
<p>Thornley Fallis Communications<br />
T: 416.515.7517 x 350</p>
<p>C: 416.473.9565<br />
<a href="mailto:fox@thornleyfallis.ca">fox@thornleyfallis.ca</a></p>
<p>To speak with Denise Dubyk National President of MADD Canada please contact:</p>
<p>Deb Kelly</p>
<p>Communications Manager<br />
MADD Canada</p>
<p>1-800-665-6233/905-829-8805 ext 240</p>
<hr size="1" /><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref1">[1]</a> Asbridge, M., Hayden, J. A., Cartwright, J. L. (2012). Acute cannabis consumption and motor vehicle collision risk: systematic review of observational studies and meta-analysis. <em>British Medical Journal, 344</em>:e536. Accessed on-line May 8, 2012. Available at: <a href="http://www.bmj.com/content/344/bmj.e536">http://www.bmj.com/content/344/bmj.e536</a>.</p>
<p><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref2">[2]</a> MADD Canada. (2004). Youth statistics. Retrieved April 16, 2012 from <a href="http://www.madd.ca/english/youth/stats.html">http://www.madd.ca/english/youth/stats.html</a>.</p>
<p><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref3">[3]</a> Canadian Centre on Substance Abuse. (2011). Cross Canada report on student alcohol and drug use. Retrieved April 9, 2012 from <a href="http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf">http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf</a></p>
<p><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref4">[4]</a> Canadian Centre on Substance Abuse. (2011). Cross Canada report on student alcohol and drug use. Retrieved April 9, 2012 from <a href="http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf">http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf</a></p>
<p><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref5">[5]</a> Canadian Centre on Substance Abuse. (2011). Cross Canada report on student alcohol and drug use. Retrieved April 9, 2012 from <a href="http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf">http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf</a></p>
<p><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref6">[6]</a> CAMH (2011). Drug use among Ontario students. Retrieved April 16, 2012 from <a href="http://www.camh.net/Research/Areas_of_research/Population_Life_Course_Studies/OSDUS/2011OSDUHS_Highlights_DrugUseReport.pdf">http://www.camh.net/Research/Areas_of_research/Population_Life_Course_Studies/OSDUS/2011OSDUHS_Highlights_DrugUseReport.pdf</a></p>
<p><a href="http://goodhandsadvice.ca/wordpress/wp-admin/post-new.php#_ednref7">[7]</a> Canadian Centre on Substance Abuse. (2011). Cross Canada report on student alcohol and drug use. Retrieved April 9, 2012 from <a href="http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf">http://www.ccsa.ca/2011%20CCSA%20Documents/2011_CCSA_Student_Alcohol_and_Drug_Use_en.pdf</a></p>
]]></content:encoded>
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		</item>
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		<title>Insurance rates demystified</title>
		<link>http://goodhandsadvice.ca/en/advice/2012/insurance-rates-demystified/</link>
		<comments>http://goodhandsadvice.ca/en/advice/2012/insurance-rates-demystified/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 22:16:42 +0000</pubDate>
		<dc:creator>EMichalko</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Driving]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Home]]></category>

		<guid isPermaLink="false">http://goodhandsadvice.ca/en/advice/?p=1508</guid>
		<description><![CDATA[Allstate Canada explains what determines home and car insurance rates
TORONTO — April 11, 2012 — Seventy-one per cent of Canadians admit they are not very familiar with their insurance policies, shows a study by Allstate Insurance Company of Canada, and this confusion can lead to people not having enough coverage or not getting the full [...]]]></description>
			<content:encoded><![CDATA[<p><strong><em>Allstate Canada explains what determines home and car insurance rates</em></strong></p>
<p><strong>TORONTO — April 11, 2012</strong> — Seventy-one per cent of Canadians admit they are not very familiar with their insurance policies, shows a <a href="http://goodhandsadvice.ca/en/advice/2011/canadians-missing-out-on-key-benefits-of-car-and-home-insurance/">study</a> by Allstate Insurance Company of Canada, and this confusion can lead to people not having enough coverage or not getting the full benefits of their coverage when they need it most. Allstate Canada believes that Canadians can make better decisions about their home and car insurance if they better understand how rates are calculated. </p>
<p>“Predicting the future with any accuracy is not an easy task, but that is exactly what insurance companies must do for all Canadians to be protected,” says Saskia Matheson, spokesperson for Allstate Canada. “The information we gather from customers, such as what kind of car they drive and how far they drive each day, helps us to make the best predictions possible.”</p>
<p>For example, while the purchase price of a full-size luxury hybrid SUV may be significantly higher than a standard pickup truck, the difference in the cost of insuring one vehicle compared to the other is actually quite small.  Luxury SUV’s are equipped with advanced technology that can assist drivers while on the road, and their safety features also provide more protection which means passengers are less likely to be injured in the event of a collision.  A standard pickup truck, not equipped with the technology or safety features of a luxury vehicle will be cheaper and easier to repair if a collision takes place, but it will not provide the same level of protection to passengers.</p>
<p><strong>What determines car insurance?</strong></p>
<p>There are two main categories when an insurer like Allstate Canada sets a car insurance quote: you and your car. </p>
<p><strong>The Driver</strong></p>
<ul>
<li>Experience: A good record of collision-free driving will help lower insurance rates. Insurance companies will consider a driver’s record, including the number of years he or she has been licensed and accident free, whether there will be multiple drivers on the vehicle and if the car will be lent or borrowed, among other factors.</li>
<li>Environment: How and where a driver is driving will also affect insurance costs. Does the driver live in a rural or urban area? Will the car be driven on a gravel road or on a highway? Will the driver use the car daily, for business or just for pleasure?</li>
<li>Policy: In addition, a driver’s deductible, liability limit and any additional coverage will factor into the cost.</li>
<li>Appetite for risk: Speeding tickets, collisions, fender benders or a history of convictions will increase the cost to insure the driver.</li>
</ul>
<p><strong>The Car </strong></p>
<ul>
<li>Type, year and safety rating:  How much a car costs to repair, how likely it is to be damaged in an accident, as well as how safe the car is for its occupants are all factored into the cost of insurance. While two cars may cost the same amount of money, their safety features—or lack thereof—can mean a significant difference in insurance.</li>
</ul>
<p>Most Canadian insurance companies use the Vehicle Information Centre of Canada, which collects data from insurers across the country to classify cars by cost to repair, risk of damage, passenger safety and history of theft, to calculate insurance rates. More information on how car insurance is calculated can be found at <a href="http://www.ibc.ca/en/Car_Insurance/Buying_a_New_Car/HCMU.asp"><em>How Cars Measure Up</em></a>.</p>
<p><strong>What determines home insurance?</strong></p>
<p>“A home is among the largest financial commitments a person will make, and the best way to protect it is to understand what your home insurance covers and what options are available to you,” says Matheson. “Plus, understanding how the premiums are calculated will inform you as to how much coverage is needed.”</p>
<p>Similar to auto insurance, Allstate Canada considers the home and the homeowner to determine home or tenant insurance premiums.</p>
<p><strong>The Homeowner</strong></p>
<ul>
<li>Policy: How much coverage is enough depends on how large your home is, how much it would cost to rebuild, and of course how much  and what kind of belongings are in the home. Taking the time to consult an insurance professional is the best way for homeowners to decide what coverage they need. A <a href="http://goodhandsadvice.ca/media/pdfs/Allstate-homeowners-checklist-ENG-29-07-11.pdf">homeowner’s checklist</a> can help keep track of the more expensive items and highlight belongings that may require additional coverage.</li>
<li>Use of home: Do you operate a business out of your home? Are you renting out an apartment?</li>
<li>Type of owner: Does the homeowner keep up with mortgage payments and maintenance of the home?   </li>
</ul>
<p><strong>The Home</strong></p>
<ul>
<li>Type of home: Apartments, condominiums, semi-detached and detached homes are each considered separately because of size and possible threats to the home and its residents.</li>
<li>Features of home: Older homes that have not been upgraded will be more expensive to insure. Electricity, wiring, sources of heat, the condition of the foundation and roof are all important considerations. Whether or not the home has a security system can also factor in.</li>
<li>Location: Some neighbourhoods have higher theft rates or are in low-lying areas with a higher likelihood of sewer backups. Other areas are at risk of wildfires, tornados, high winds and hail storms.</li>
</ul>
<p>“Of course there are factors, like natural catastrophes and the increasing costs of fraud, that  affect insurance rates, because unfortunately, when claim rates go up,  insurance companies are forced to increase rates to cover the costs,” says Matheson. “The important thing to remember is that the more transparent and accurate you can be with your agent when talking about your protection needs and concerns, the more accurate both the rate and the discounts can be that are applied, and most importantly, you will get the right coverage for you.”</p>
<p>To find out more about calculating insurance, visit <a href="http://www.goodhandsadvice.ca">www.goodhandsadvice.ca</a>.</p>
<p><strong>About Allstate Insurance Company of Canada </strong></p>
<p>Allstate Insurance Company of Canada is one of Canada’s leading producers and distributors of home and auto insurance products. &#8220;The Good Hands Network®&#8221; enables consumers to contact Allstate Canada through one of 92 community-based Agencies, directly online at <a href="http://www.allstate.ca/">www.allstate.ca</a> and through the Customer Contact Centre at 1-800-Allstate. Allstate Canada is committed to making a positive difference in the communities in which it operates. This year, Allstate Canada celebrates 25 years of partnership with MADD Canada in the effort to protect us all from impaired driving. In 2010, Allstate Canada, in partnership with the National Hockey League Players’ Association (NHLPA), created the Allstate All-Canadians program, a mentorship program designed to create future community leaders through the sport of hockey<strong>. </strong>Learn more about this program at <a href="http://www.allcanadians.com/">www.allcanadians.com</a>. To learn more about Allstate Canada, visit <a title="http://www.allstate.ca" href="http://www.allstate.ca">www.allstate.ca</a>.</p>
<p style="text-align: center;">-30-</p>
<p>For more information about calculating insurance rates or to speak with Saskia Matheson, Allstate Canada’s official spokesperson, please contact:</p>
<p>Jennifer Fox<br />
Thornley Fallis Communications<br />
T: 416.515.7517 x 350<br />
C: 416.473.9565<br />
<a href="mailto:fox@thornleyfallis.ca">fox@thornleyfallis.ca</a></p>
]]></content:encoded>
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		<title>Avoid insurance surprises, Allstate Canada recommends researching auto quotes before buying the car</title>
		<link>http://goodhandsadvice.ca/en/advice/2012/avoid-insurance-surprises-allstate-canada-recommends-researching-auto-quotes-before-buying-the-car/</link>
		<comments>http://goodhandsadvice.ca/en/advice/2012/avoid-insurance-surprises-allstate-canada-recommends-researching-auto-quotes-before-buying-the-car/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 21:04:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Driving]]></category>
		<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://goodhandsadvice.ca/en/advice/?p=1489</guid>
		<description><![CDATA[MONTREAL — March 21, 2012 — Almost 36,000 new cars were sold in Quebec in 2011.  Since the model of a car affects a driver&#8217;s insurance rate, car insurance is an important factor to consider and budget for when buying a car or truck. Whether purchasing new or used, Allstate Insurance Company of Canada recommends Quebec [...]]]></description>
			<content:encoded><![CDATA[<p><strong>MONTREAL — March 21, 2012 — </strong>Almost 36,000 new cars were sold in Quebec in 2011.  Since the model of a car affects a driver&#8217;s insurance rate, car insurance is an important factor to consider and budget for when buying a car or truck. Whether purchasing new or used, Allstate Insurance Company of Canada recommends Quebec car shoppers use its new online quote tool, currently available only to Quebec residents, to easily assess the cost of a vehicle&#8217;s insurance and quickly compare it for each vehicle they are considering.</p>
<p>&#8220;A car or a truck is an expensive item, so calculating possible auto insurance premiums when researching what to buy means a more informed decision to avoid big surprises and going over budget,&#8221; says Antoine Letourneau, spokesperson for Allstate Canada. &#8220;Getting an online insurance quote can often be complicated, but Allstate Canada&#8217;s online quote tool provides an initial range in only five questions, with the option of spending a little bit longer to get a more specific estimate,&#8221; says Letourneau.</p>
<p>To get an online auto insurance estimate, go to <a href="http://www.allstatequickquote.ca" target="_blank">www.allstatequickquote.ca</a>.</p>
<p>What goes into determining car insurance rates? Each insurance provider calculates premiums differently, but typically policies account for these five factors:</p>
<ul>
<li>Age of driver;</li>
<li>Where the driver lives;</li>
<li>The model of vehicle, though not the colour;</li>
<li>How far (in kilometres) the car is driven daily;</li>
<li>Driving record and the number of any additional drivers using the car.</li>
</ul>
<p>What the policy covers is another important cost factor. In Quebec, drivers can choose if they want to have comprehensive and collision insurance to pay for damage to their car, in addition to the liability coverage they must have. A policy with more types of coverage will have higher premiums than one with just the minimum required by the province.</p>
<p>Most auto insurance companies, like Allstate Canada, offer reduced insurance rates when insuring multiple vehicles on the same policy or if there are other policies with the same insurance provider such as home and tenant insurance. Allstate Canada offers more tips on how to save on car insurance here.</p>
<p>For more information about common auto insurance questions, please visit, <a href="http://www.allstate.ca/En/Products/Auto/FAQs" target="_blank">www.allstate.ca/En/Products/Auto/FAQs</a>.</p>
<p><strong>About Allstate Insurance Company of Canada<br />
</strong>Allstate Insurance Company of Canada is one of Canada&#8217;s leading producers and distributors of home and auto insurance products. &#8220;The Good Hands Network®&#8221; enables consumers to contact Allstate Canada through one of 92 community-based Agencies, directly online at <a href="http://www.allstate.ca/">www.allstate.ca</a> and through the Customer Contact Centre at 1-800-Allstate. Allstate Canada is committed to making a positive difference in the communities in which it operates and has partnered with organizations such as Mothers Against Drunk Driving (MADD Canada), Crime Stoppers, United Way and Junior Achievement. In 2010, Allstate Canada, in partnership with the National Hockey League Players&#8217; Association (NHLPA), created the Allstate All-Canadians program, a mentorship program designed to guide the next generation of Canada&#8217;s hockey youth. Learn more about this program at <a href="http://www.allcanadians.com" target="_blank">www.allcanadians.com</a>. To learn more about Allstate Canada, visit <a href="http://www.goodhandsadvice.ca" target="_blank">www.goodhandsadvice.ca</a> or <a href="http://www.allstate.ca" target="_blank">www.allstate.ca</a>.</p>
<p style="text-align: center;">-30-</p>
<p>To learn more about Allstate&#8217;s online insurance tool or to speak with Antoine Letourneau, Allstate Canada&#8217;s official spokesperson, please contact:</p>
<p>Jennifer Fox<br />
Thornley Fallis Communications<br />
T: 416.515.7517 x 350<br />
<a href="mailto:fox@thornleyfallis.ca">fox@thornleyfallis.ca</a></p>
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		<title>Ontario sees 7% improvement in frequency of car crashes</title>
		<link>http://goodhandsadvice.ca/en/advice/2011/ontario-sees-7-percent-improvement-in-frequency-of-car-crashes/</link>
		<comments>http://goodhandsadvice.ca/en/advice/2011/ontario-sees-7-percent-improvement-in-frequency-of-car-crashes/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 02:00:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[Driving]]></category>
		<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://goodhandsadvice.ca/en/advice/?p=1246</guid>
		<description><![CDATA[Brockville tops Allstate Canada’s Ontario Safe Driving Study
TORONTO – November 29, 2011 — Allstate Insurance Company of Canada’s latest Ontario Safe Driving Study shows Ontario drivers have improved over the past two years. Overall, Ontario’s collision frequency rate had a seven percent decrease between 2007–2009 and 2009–2011. According to the data, Brockville had the lowest [...]]]></description>
			<content:encoded><![CDATA[<p><strong><em>Brockville tops Allstate Canada’s </em></strong><strong>Ontario Safe Driving Study</strong></p>
<p><strong>TORONTO – November 29, 2011 —</strong> Allstate Insurance Company of Canada’s latest <em>Ontario Safe Driving Study</em> shows Ontario drivers have improved over the past two years. Overall, Ontario’s collision frequency rate had a seven percent decrease between 2007–2009 and 2009–2011. According to the data, Brockville had the lowest collision rate, while five GTA communities had the highest collision rates in the province. The <em>Ontario Safe Driving Study </em>looks at collision frequencies in 45 communities in the province and ranks them based on Allstate Canada claims data for 2009–2011 and also compares them to data from 2007–2009.</p>
<p>“We are pleased to see the overall decrease in Ontario’s collision rate and hope to see this trend continue,” says Tony Irwin, spokesperson for Allstate Canada. “To help, we are reminding drivers to be attentive and patient behind the wheel. We have developed a series of safe driving tips at <a href="#tips">goodhandsadvice.ca</a> that we encourage drivers to read and keep in mind whenever they are on the road,” says Irwin.</p>
<p>There will also be an event in Brockville today with the city’s mayor, David Henderson, and Chief John Gardiner of the Brockville Police Service to congratulate the city’s drivers for having Ontario’s lowest collision rate.</p>
<p>“At Allstate Canada we believe the more we bring attention to road safety — whether by examining trends in collision data or demonstrating the implications of driving and using cell phones at a distracted driving course — the closer we can get to achieving our goal of making communities safer for everyone. The <em>Ontario Safe Driving Study </em>is an opportunity to shine a spotlight on what’s happening on our roads and to kick-start a discussion between drivers, governments, police and other organizations about what makes a safe driver,” says Irwin.</p>
<p>Allstate Canada calculates the <em>Ontario Safe Driving </em>collision frequency rates by dividing the number of claims made with Allstate Canada within a community by the number of cars insured by Allstate Canada in that community. Only communities where Allstate Canada insures a minimum of 900 cars between 2009 and 2011 are ranked. Collisions are linked to the address of the insured, not where the collision took place. Rankings are based solely on Allstate Canada’s car collision frequency data and are in no way tied to insurance rates.</p>
<p><strong> </strong></p>
<p><strong><em>Data highlights from the 2011 </em></strong><strong>Ontario Safe Driving Study</strong><strong><em>:</em></strong><strong> </strong></p>
<ul>
<li>The top five cities with      the lowest collision frequency rates for 2009–2011 are Brockville (2.48      per cent), Welland (2.95 per cent), Chatham (3.26 per cent), Amherstburg      (3.50 per cent), and St. Thomas (3.55 per cent). <strong> </strong></li>
<li>GTA communities ranked      41 through 45 out of 45 communities for 2009–2011: Bolton (5.96 per cent),      Markham (6.13 per cent), Toronto (6.16 per cent), Thornhill (6.24 per      cent) and Brampton (6.78 per cent).<strong> </strong></li>
<li>Only five cities had a      higher collision frequency rate in 2009–2011 than in 2007–2009: Belleville      (moving from the top ranked community last year to number 13), North Bay (previously      number 14 and now number 32), Markham (number 28 to 42), Brampton (number      38 to 45) and Toronto (number 35 to 43).<strong> </strong></li>
<li>Northern Ontario      continues to be the region where drivers have the lowest crash frequency      rate, with three Northern Ontario cities ranked in the top ten: Thunder      Bay (6), Sault Ste. Marie (9) and Greater Sudbury (10).<strong> </strong></li>
</ul>
<p>Allstate Canada’s recent <em><a href="http://goodhandsadvice.ca/en/learn-more" target="blank">Get to Know Your Insurance</a></em> survey also shows that many drivers do not know what to do after they have been in a car collision. The survey found 21 per cent of Canadians would accidentally break the law and not report a collision to their insurance provider, even though it’s mandatory to report one within 24 hours. “Regardless of who caused the collision, drivers should remember to collect and exchange information with the other driver about the car and driver and any witnesses to the crash,” says Irwin.</p>
<p><a name="tips"></a><strong>Allstate Canada offers these tips to help start the conversation about safe driving:</strong></p>
<ul>
<li><strong>Keep      your eyes on the road </strong><strong>—</strong> Distracted driving is      the cause of eight out of every 10 collisions. Distractions can include      changing your music, tending to a child in the back seat or using your      cell phone to talk or text. In Ontario it’s against the law      to use a hand-held cell phone or other hand-held communications and      entertainment devices in the car, but even using a hands-free phone can      distract you from driving. If you need to make a call, find a place to      park the car and then pick up the phone.</li>
<li><strong>Be aware of road conditions</strong> — Drive slowly and with caution when battling the      elements of snow, ice or rain as visibility declines and the ability to      control your vehicle becomes more difficult. Remember to clear snow      from your car before you head off.</li>
<li><strong>Leave a safe distance between vehicles</strong> — Maintain at least      ‘three steamboats’ (seconds) between your vehicle and the one in front of      you in good driving conditions. In wet conditions, leave ‘six steamboats,’      and in poor/slippery conditions, leave nine to 12 ‘steamboats.’</li>
<li><strong>Avoid reacting to and creating “road rage” </strong>—<strong> </strong>Angry drivers tend to hastily make decisions that affect      drivers around them.<strong> </strong>Always try      to remain calm when driving.</li>
<li><strong>Drive the speed limit</strong> — Drivers can reduce the need to      speed by leaving early and allowing extra time to arrive at their destination.      It’s better to be late than to rush and cause a collision.</li>
<li><strong>Break bad habits </strong>— A safe driver will always obey      the rules of the road. Use your turn signal to indicate a turn or lane      change, come to a complete stop at a stop sign, only enter an intersection      if you can cross it before the light turns red and don’t jump the queue by      sneaking into a lane at the last minute.</li>
<li><strong>Maintain Your Car</strong> — Make sure your brakes,      exhaust, tires, lights, battery and hoses are all in good working order.      Keep windshield wipers in good working order, too.</li>
<li><strong>Don’t Drive While Impaired</strong> — According to MADD      Canada, every day, on average, four Canadians are killed and 190 are      injured in impaired driving crashes. Plan ahead, designate a sober driver,      take a taxi, walk with a friend, make arrangements to stay over or take      local transit.</li>
</ul>
<p><strong>Take the proper steps after a car collision</strong></p>
<p>Unfortunately most drivers will at some point be in a collision. Collisions are often traumatic, as they happen quickly and can catch us off guard. It’s difficult to think clearly and remember what to do immediately after one has happened. If you are in a collision, regardless of who caused it, collect and exchange the following information with the other driver:</p>
<ul>
<li>license plate number;</li>
<li>full name and contact information;</li>
<li>insurance company;</li>
<li>type, colour and model of the vehicle;</li>
<li>number of occupants in each vehicle</li>
<li>location of the accident;</li>
<li>the full name and phone number of any present witnesses.</li>
</ul>
<p><strong> </strong></p>
<p><strong>To see where Ontario cities ranked, view the complete 2011 <em>Ontario Safe Driving Study </em>visit <a href="http://bit.ly/AllstateSafeDriving" target="_blank">http://bit.ly/AllstateSafeDriving</a></strong>.</p>
<p><strong> </strong></p>
<p><strong>Study Methodology</strong></p>
<p>Allstate Canada conducted an in-depth analysis of company collision data to determine the safest communities in Ontario based on the frequency of collisions. The study spans a 24-month period beginning July 1, 2009, through June 30, 2011 and also offers a comparison to the data from July 1, 2007, through June 30, 2009.</p>
<p>To ensure the data provides a realistic outlook of what is happening on Ontario roadways only communities with at least 900 cars insured by Allstate Canada during the 24-month period were included in the study. Claims data is limited to collisions for which there was a payout, claims for incidents such as break-ins or vandalism are not included in this analysis. Two-year periods were chosen to provide a larger sample for more meaningful analysis. Survey data ranks frequency of collisions, not severity of accident. Collision data can be traced back to the registered car address.</p>
<p><strong>About Allstate Insurance Company of Canada </strong></p>
<p>Allstate Insurance Company of Canada is one of Canada’s leading producers and distributors of home and auto insurance products. &#8220;The Good Hands Network®&#8221; enables consumers to contact Allstate Canada through one of 93 community-based Agencies, directly online at <a href="http://www.allstate.ca/" target="_blank">www.allstate.ca</a> and through the Customer Contact Centre at 1-800-Allstate. Allstate Canada is committed to making a positive difference in the communities in which it operates and has partnered with organizations such as Mothers Against Drunk Driving (MADD Canada), Crime Stoppers, United Way and Junior Achievement. In 2010, Allstate Canada, in partnership with the National Hockey League Players’ Association (NHLPA), created the Allstate All-Canadians program, a mentorship program designed to guide the next generation of Canada’s hockey youth<strong>. </strong>Learn more about this program at<strong> </strong><a title="http://www.allstate.all-canadians.com/" href="http://www.allstate.all-canadians.com/" target="_blank">www.allstate.all-canadians.com</a>. To learn more about Allstate Canada, visit <a title="http://www.goodhandsadvice.ca" href="http://www.goodhandsadvice.ca/" target="_blank">www.goodhandsadvice.ca</a> or <a title="http://www.allstate.ca" href="http://www.allstate.ca/" target="_blank">www.allstate.ca</a>.</p>
<p style="text-align: center;">-30-</p>
<p>For more information or to book an interview with Tony Irwin, Allstate Canada’s official spokesperson, or to speak to a regional Allstate spokesperson please contact:</p>
<p>Jennifer Fox<br />
Thornley Fallis Communications<br />
Office: 416.515.7517 x 350<br />
Mobile : 416-473-9565<br />
Email: <a href="mailto:fox@thornleyfallis.ca">fox@thornleyfallis.ca</a></p>
]]></content:encoded>
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		<title>Protect Your Summer Wheels During the Winter</title>
		<link>http://goodhandsadvice.ca/en/advice/2011/protect-your-summer-wheels-during-the-winter/</link>
		<comments>http://goodhandsadvice.ca/en/advice/2011/protect-your-summer-wheels-during-the-winter/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 21:10:44 +0000</pubDate>
		<dc:creator>EMichalko</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[Driving]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Recreation]]></category>
		<category><![CDATA[Weather]]></category>
		<category><![CDATA[Winter]]></category>

		<guid isPermaLink="false">http://goodhandsadvice.ca/en/advice/?p=1230</guid>
		<description><![CDATA[Allstate Canada advises owners how to winterize seasonal vehicles
and save on insurance 
TORONTO, October 25, 2011 — Canadians spent an estimated $140 million on motorcycles, scooters and all-terrain vehicles (ATVs) in 2010, according to the Canadian Off-Highway Vehicle Distributors Council. With winter soon approaching, these vehicles — along with convertibles and other seasonal cars — [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><strong><em>Allstate Canada advises owners how to winterize seasonal vehicles<br />
and save on insurance </em></strong></p>
<p><strong>TORONTO</strong><strong>, October 25, 2011</strong> — Canadians spent an estimated $140 million on motorcycles, scooters and all-terrain vehicles (ATVs) in 2010, according to the Canadian Off-Highway Vehicle Distributors Council. With winter soon approaching, these vehicles — along with convertibles and other seasonal cars — will need to be stored. Allstate Insurance Company of Canada offers owners advice on storing a vehicle properly during the winter in order to protect their investment and to ensure it will run smoothly come spring.</p>
<p>Karen Benner, spokesperson for Allstate Canada, says that while insurance policies for motorcycles are typically pro-rated to cover the months when owners cannot ride, this is not the case for most automobiles that are only driven in warm weather. Benner recommends owners speak with their insurance agent to learn what adjustments might be made to save on insurance while the vehicle is off the road. As well, if an owner is keeping it in a storage facility, they should ask about the facility’s insurance coverage before signing any contracts. “It is important for owners to know before they store their vehicle who will pay for repairs if it is damaged over the winter. This way there will be no hassles over reimbursement when you pick the car or bike up and discover it’s been dinged or scratched,” says Benner.</p>
<p><strong>To help Canadians better protect what they have today, Allstate Canada offers the following winter storage advice for cars, motorcycles and ATVs from </strong><a href="http://www.goodhandsadvice.ca/"><strong>goodhandsadvice.ca</strong></a><strong>:</strong></p>
<p>1)      A good thorough cleaning, inside and out, will ensure the vehicle is free of any debris and unpleasant surprises in the spring. Plus, a breathable cover is a good option to keep the vehicle clean during storage.</p>
<p>2)      Fill the gas tank and add stabilizer to it, then run the engine for five minutes. Doing this will prevent moisture from collecting and creating rust from the inside out.</p>
<p>3)      Change the vehicle’s oil before storage as old oil can become acidic and cause damage over the winter.</p>
<p>4)      Put the vehicle up on a jack or on blocks to prevent flat spots on the tires. If the vehicle will not be on a jack or blocks, then inflate the tires to the maximum pressure as this will also help prevent flat spots.</p>
<p>5)      Either remove the battery or invest in a battery tender to maintain its charge throughout the winter months. A battery tender is an easy way to keep the battery fresh while the vehicle is not in use.</p>
<p style="text-align: center;"><strong>Save money on insurance while the vehicle sits idle</strong></p>
<p>Allstate Canada recommends owners speak with their insurer to discuss money-saving options during the time the vehicle is stored. “If no one is driving the car during the winter, you may be able to save money by modifying your coverage while the vehicle is not in use,” says Benner. “For example, you could suspend all but the comprehensive coverage on the insurance policy if the vehicle will not be driven. This means the vehicle will be insured if it is damaged while in storage, but you will not be paying for coverage that you would normally need when actually driving the car. Once the warm weather arrives, don’t forget to call your agency to resume coverage before you take your car out for a spin.”</p>
<p>For additional tips and useful advice on winterizing vehicles, visit <a href="http://www.goodhandsadvice.ca/">goodhandsadvice.ca</a>, or contact your local Allstate Agency.</p>
<p><strong>About Allstate Insurance Company of Canada </strong></p>
<p>Allstate Insurance Company of Canada is one of Canada’s leading producers and distributors of home and auto insurance products. &#8220;The Good Hands Network®&#8221; enables consumers to contact Allstate Canada through one of 93 community-based Agencies, directly online at <a href="http://www.allstate.ca/">www.allstate.ca</a> and through the Customer Contact Centre at 1-800-Allstate. Allstate Canada is committed to making a positive difference in the communities in which it operates and has partnered with organizations such as Mothers Against Drunk Driving (MADD Canada), Crime Stoppers, United Way and Junior Achievement. In 2010, Allstate Canada, in partnership with the National Hockey League Players’ Association (NHLPA), created the Allstate All-Canadians program, a mentorship program designed to guide the next generation of Canada’s hockey youth<strong>. </strong>Learn more about this program at<strong> </strong><a title="http://www.allstate.all-canadians.com/" href="http://www.allstate.all-canadians.com/">www.allstate.all-canadians.com</a>. To learn more about Allstate Canada, visit <a title="http://www.goodhandsadvice.ca" href="http://www.goodhandsadvice.ca/">www.goodhandsadvice.ca</a> or <a title="http://www.allstate.ca" href="http://www.allstate.ca">www.allstate.ca</a>.</p>
<p>For more information about car storage or to speak with Karen Benner, Allstate Canada’s official spokesperson, please contact:</p>
<p>Jennifer Fox<br />
Thornley Fallis Communications<br />
T: 416.515.7517 x 350<br />
<a href="mailto:fox@thornleyfallis.ca">fox@thornleyfallis.ca</a></p>
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