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? earlier. The most recent figures availâ€" able from Statistics Canada for the > Canadaâ€"wide auto insurance index 3 show an average yearâ€"overâ€"year 3 increase of 12.3 per cent at the first % quarter. Ontario‘s rates have generally 2 risen more slowly than Canadaâ€"wide g rates since 1989. This data is reflected in the Ontario Insurance Commission‘s (OIC) Ontario Automobile Insurance Index and is shown in relation to Statistics Canada‘s Consumer Price Index (CPI) and Canadaâ€" wide Auto Insurance Index. 1 cent in the second quarter of 1994, to 3 stand 11.3 per cent higher than a year E ntario‘s private passenger autoâ€" 6 mobile insurance rates rose an 2 average of less than 1.5 per "‘The figures indicate that auto insurâ€" ance premiums have been rising slightâ€" ly faster than the cost of Ontario goods and services generally in the last seven years," said Blair Tully, Ontario Insurance Commissioner, "but Ontario‘s private passenger automobile rates have not risen as much as Canadaâ€" wide rates." Insurance hikes in Ontario lag behind national numbers A clean windshield is a safety feature u can‘t drive without. o matter what climate you live in, when it‘s your windshield against the elements, you want dependable wiper blades. These five windshield wiper care tips are provided by the experts. * Check the condition of your windâ€" shield wiper blades at least once a We are a Customerâ€"First Dealership 1450 SPEERS RD., OAKVILLE 827â€"1177 Using the clues provided, complete the "esses" below o .N i m ho â€"t â€" Usually done in the morning _ _ ESS Say this after someone sneezes. _ _ ESS Sometimes criminals do this _ _ _ _ ESS This is another name for hair. _ _ ESS To talk about your feelings. _ _ _ _ ESS Do this before showering. _ _ _ _ ESS This is a gentle type of touch. _ _ _ ESS It‘s not fun to come home to one. _ ESS Some people get this from work. _ _ _ ESS 0 A womens‘ summer outfit. ESS month when performing routine car maintenance or cleaning. Don‘t wait until you‘re driving in hazardous weather. * Clean the wiper blades with a damp rag when cleaning the windâ€" ghield. ipe free of dirt, grime and ugs. * Wiper blades should be firm and smooth from end to end, not "dried out." * Immediately replace blades that are chipped, torn, cracked or split. * Blades should be clear, clean and squeegee the glass completely for OEtinum visibilty without skipping or chattering. The information included in the rate filing schedule covers average rate adjustments by company and effective dates for both renewals and new busiâ€" ness. Also included are percentages repâ€" resenting each company‘s market share of Ontario‘s private passenger auto insurance business. An average rate adjustment is proâ€" vided. It is an overall figure based on each company‘s Ontario private passenâ€" ger premium volume. Individual cusâ€" tomers may see decreases, larger or Also included in the quarterly autoâ€" mobile rate information package is a list of all private passenger rate changes approved in May and June by the Commission. The changes result from rate filings submitted to the OIC by auto insurance companies for use in Ontario. Recent increases are attributed to increasing claims frequency and mountâ€" ing claims costs experienced by auto insurance companies over the past year and enhanced accident benefits providâ€" ed with the implementation of Bill 164 on January 1, 1994. Name Address: TEN "esses" OAKVILLE Since drivers are often unsure of the factors affecting the cost of their poliâ€" cies, the OIC‘s rate information packâ€" age includes backgrounders to help smaller increases than the company average or no increases at all in their premiums. conv:ctlons will i mcrease your rates * Shop around. Rates can vary substantlally between insurers. Contact a number of broâ€" kers or agents of companies to find out the best rate for you. Under law, if you request it, brokers must tell you all the companies they represent and provide private passenâ€" ger automobile insurance quotes for each. * Raise your deductibles. The more you are willing to pay when a claim occurs, the lower your rate will be. * Drop unnecessary coverage. If you have an older vehicle it may not be worthwhile to continue carrying collision coverage. . You may notice an increase in premiums even though your driving record has not changed. As insurance is a pooling concept, that collective claims costs expenenced by an insurance company are used in c!etermmmg what rates should be: charged. Your premiums may be affected by your insurer‘s experience with other drivers with similar risk characteristics to your own. As an individual risk, you can expect to pay more than the average rate increase if: * You‘ve had at atâ€"fault accident. _ * You‘ve moved closer to an urban area. * You ve had driving related convictions. . * You‘ve purchased a more expensive vehicle. ided a your driver to the policy. _ lnsure w;ll determme.v 1f_.you are atâ€"fa t m an accndent based on the Fault Determination Rules established under law. Double AIR MILES For Imports Small Cars All Season Radials HOwW TO MAKE PREMIUMS MORE AFFORDABLE: le GT+4 ium High Performance P195/70R14 SL2 BSL $1 P185/60R1482T OBS _ 1 P215/60R1421U BSL } 1 1 P215/65R1595U BSL Size PRIVATE PASSENGER PREMIUM INCREASEsS 145/R13 155/R13 165/R13 185/70R1 4 Size 297 Speers Road (at Dorval) 845â€"4227 Everyday Low Price Double AIR MILES offer expires September 10, 1994 Earn AIR MILES on all Goodyear tires and service including the great values listed in this ad. Ask your participating retailer. Call for additional sizes. Ask for details on our new credit payment system. v Rotation Included / Installation Included "By publishing the general rate index data and more specific informaâ€" tion on what is happening to Ontario rates by individual companies, conâ€" sumers can keep an eye on the marketâ€" place and assess where their company clarify questions regarding risk factors. Workkhorse Light Truck Van Decathion Economy All Season Radials P155/80R13XNW P165/80R1 3XNW P185/80R 1 3XNW P195/75R14XNW P205/75R1AXNW P215/75R15XNW Size 235/75R1 SOWL $106.00 215/85R160B 112.00 225/75RléBSL 124.00 875R1650BL 126.00 235/85R16OBL 127.00 245/75R16BSL 137.00 Size out discounts offered. Some comâ€" ave discounts for: mature drivers, safej‘dnvers drivers with a driver training course, drivers with low annual mileage and drivers with multiple vehicles. * Buy a car with good safety features. Cars that appeal to thieves or are more prone to damage in the event of an accident cost more to insure. * Pay by monthly instalments. Larger insurâ€" ance companies are required by law to give you the option of paying your premium in monthly instalments. Ever;day Everyday Low Price ng UVay: Step On 303 Upper Middle Road E. 338â€"001 1 Come info a participating Goodyear retailer until July 30th to enter for a chance to win a ride on the Goodyear Blimp. No purchase necessary. See details at participating Goodyear retailers. and policy rates fit into the overall picâ€" ture," said Tully. "If consumers are unclear about what prices they are payâ€" ing for specific coverages, they should check with their agent or broker first and shop around to see how their policy price compares in the marketplace." P165/80R1383T BSL P185/70R1385T BSL P185/75R1489S BSL P205/70R14935 BSL P205/70R15955S BSL Size $ 80.00 92.00 95.00 106.00 110.00 Srie