Nov 4, 2021 Tips on how to Submit an Accurate Home Insurance Quote Online

Part 2 of completing accurate insurance quotes online looks at home insurance, and some of the common errors often seen. ( See part 1 – auto insurance here). Here are some of the most common errors; Replacement costThis is often one of the main discrepancies from online quotes, resulting in inaccuracy. Sometimes this results in predicting insurance cost that is too high, but more often than not, way too low. When inputting replacement cost online, we often hear from new home buyers, “I chose that number because the land is worth something, so I subtracted 20% from what I paid for the house”. Purchase price is not an accurate indication of replacement cost for insurance purposes. It’s perhaps a good starting point, but…

Read More

Sep 27, 2021 4 Steps to Help You Insure Your Property or Vehicle “In the Estate of”

Going through the process of organizing insurance for assets that have been registered into the Estate of a loved one can be a complex and emotional experience as you mourn their loss. You may not be aware but property such as a house, vehicle or cottage, will need to be transferred to the name of the Estate to ensure that the property remains covered through insurance. At Rhodes & Williams Insurance, we understand that this is the last thing you may want to think about which is why we are here to support you during this difficult time. Below are the (4) steps* to ensure the process is simple and easy for you and your family: Provide a copy of the death certificate for the…

Read More

Aug 10, 2021 Auto Insurance Quote Online: Tips to Submit for Accuracy

Wait? Insurance quotes online aren’t accurate? One of the most common opening lines I hear from clients after doing a car insurance quote on our website is  “ Hi Brian, thanks for the quote, what information do you need from me to obtain an accurate insurance quote?” My first reaction is, “why isn’t the quote accurate?” If the information submitted was correct, the online tool is extremely accurate. However, clients are now accustomed to the price changing after they speak to an insurance broker. They assume it’s wrong without ever really knowing why and this can be very frustrating. I am here to help with a few tips to produce the most accurate auto insurance…

Read More

Sep 5, 2019 Digital Pink Slips Legal in Ontario

On September 5, 2019, The Ontario government announced that it is enabling drivers to carry electronic proof of auto insurance on their mobile device, including their smartphones, as part of the Putting Drivers First blueprint announced in 2019. “There is a lot of work to be done in Ontario related to car insurance,” says Rhodes & Williams Insurance Brokers C.O.O., Cory Young, “However I truly feel that digital pink slips is a simple fix to make life more efficient and convenient for today’s driver’s.” Rhodes & Williams Insurance Brokers clients can start using their digital pink slip immediately by downloading their app in the client center. Official announcement from the Ontario Government available here:…

Read More

Jan 10, 2019 Does the Auto Insurance System in Ontario Need to Change?

This is the question currently being contemplated by the Ontario government.  They are inviting drivers and consumers to share their views on how to lower the province’s auto insurance rates, part of a broader initiative on auto insurance reform. I do not intend to give a complete background on the issue or opinions on everything that needs to be fixed, or I would lose all readers by the 100th page! For a very brief background on the issue, visit “Ontario wants to hear from Consumers about How to Lower Auto Rates”   and when done reading this document, visit Here to fill out the very brief survey and have your say. I would like to give you my opinion on a…

Read More

Nov 4, 2016 Do it for the Safety or Do it for the Savings – Just Do It!

The government of Ontario has made numerous efforts to drive down the cost of car insurance for drivers in Ontario. As always, we support anything that helps our clients save money on their car insurance – especially those initiatives that encourage safer driving. When shopping for winter tires, it is important to look for a tire that displays the Three-Peak Mountain Snowflake Symbol (Also referred to as the ‘Alpine” symbol) on the sidewall. Transport Canada acknowledges that tires displaying this symbol meet the specific snow traction performance requirements,and have been designed specifically for use in severe snow conditions.A simple google search of “winter tire effectiveness” will give you all kinds of information as to the safety reasons for installing a full set of winter tires…

Read More