Canadian Car Insurance Rates Alert,  D.G. Kaye,  Great information,  THOUGHTS

Attention #Canadian Drivers – Check Your Car #Insurance Rates Now!

Canadian Driver #Auto Insurance Rate #Alert!






Okay, this blew me away!!!!!!!!! I received my annual car insurance renewal. I freaked out when I saw my new rate. Let’s keep in mind, I have a perfect driving record and have several ‘good driver’ discounts on my account for years. I also have a device plugged into my car that monitors good driving habits for a further discount. I barely ever drive my car anywhere.


Yes, rates go up annually, but usually 30-$40 dollars a year. I opened my bill and my insurance was almost $400 HIGHER!!!!! I was gobsmacked and phoned my insurer to rant and tell them I’m leaving them. But then, the agent asked me what year I got my licence.


I asked her what that had to do with anything. BUT IT DOES!. Apparently, the Ministry of Transportation has got involved with the merit system. The longer you’ve had your licence, the cheaper your rate. What’s the catch? The Ministry only went back ‘x’ amount of years in the database. When they slacked off, your year you became licensed is most likely not accurate! Exactly what happened to me.


My agent went through the ministry files and got my actual date I received my licence and my rate came down almost $400!!!!! I asked her WTF? People don’t know this and if they don’t call to inquire about their raised rates they just pay it? Pretty much!


The Ministry has to get their shyte together if they want to penalize people for dates they started driving and aren’t inputting the correct dates to their system. According to my agent, she had to go into the ministry backfiles to find the actual date my husband and I were each licensed  because the date that was given to them was decades off from the actual date.




This is a public service announcement from me. You’re welcome!


Note: Please share this important info around, even if you are not Canadian, I’m sure you have Canadian friends who need to know this. Thank you.

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D.G. Kaye is a nonfiction/memoir writer, who writes from her own life experiences and self-medicates with a daily dose of humor.


    • dgkaye

      It’s uncanny when we’re not informed, and those who don’t ask questions just pay. I feel it’s my duty to spread my findings around to warn others. 🙂

  • John Maberry

    The insurance company and motor vehicle licensing thing is weird in the US too. They were insisting one year that the VIN # on the registration, insurance and vehicle didn’t match. It was the insurer’s fault in this case. The upshot is if the VIN doesn’t match on all three, the licensing folks will suspend your DRIVER’s license for driving without insurance. But at least I got a notice about this.

    • dgkaye

      Wow John! I chock this all up to incompetence of people. Now granted, if you were the one giving out the VIN to them and it was copied wrong everywhere else then the onus was on you, lol. But if it wasn’t copied correctly by the ministry and you didn’t catch it, you’re still going to get penalized. Not a winning situation, so glad you rectified! 🙂

  • L. T. Garvin, Author

    Oh wow! I must admit, I don’t like insurance companies. You’d never know that from all the bad press the ones have received in the U.S. lately. Of course, I’m one of the x-thousands of Americans who don’t have health insurance, so if I get really sick, I’ll be journeying to meet my maker. If I got an incredible car insurance bill like that one, I would definitely call! I’m glad it was an error and you got it taken care of, Debby.

    • dgkaye

      Thanks for sharing Lana. Of course I’m referring to car insurance rate hikes here, but I am so, so sorry to learn you are one of millions without healthcare. It’s beyond me why the US doesn’t have universal healthcare like the rest of most of the free world. Wait, it’s not beyond me, it’s all about greed and kickbacks the politicians would miss out on from pharma and insurance companies. Don’t get me started. Suffice it to say, I’m so sorry for the predicament you’re in. Every human being deserves healthcare.<3

  • lisa thomson-The Great Escape...

    Wow, good tip Debby. My renewal will be more this year, too but not that significant an increase.Go figure. It’s a convenient error on their part, isn’t it? Good thing you called them. To further warn your Canadian blogger friends is just the icing on the cake, Deb. You rock!

  • Christy B

    OH wow, Debby! I paid my car insurance for the year earlier this month and didn’t see a difference for me. But that sucks if your rate DOES go up because of a mistake in the files regarding the year that you got your driver’s license! I mean, it’s paying hundreds of dollars extra for an oversight – crazy! I’ll share this post on all social media networks to help spread the word. Glad you got it fixed ♥

  • Madelyn Griffith-Haynie, MCC, SCAC

    WOW, Deb! Truly incredible – tho’ I’m not surprised you tracked it down, got it handled, and spread the word. Pinned to my Un-think-able Today? Board, will send the link to a Canadian buddy who reblogs quite a few posts, and try to figure out how to post to my FB wall.
    (Madelyn Griffith-Haynie – ADDandSoMuchMORE dot com)
    ADD/EFD Coach Training Field founder; ADD Coaching co-founder
    “It takes a village to educate a world!”

  • Liesbet

    So nice of you to share this tidbit of information, not provided by the authorities or insurance companies that should let people know! How infuriating – that these mistakes happen (does anyone know how to do their job these days?) and that you have to find everything out yourself. I do hope more people call in about this, and that they fix the problem in their database. Imagine how these companies – undeservingly – make lots of money off poor people who don’t know any better and fail to inquire…

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