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Halloween is a time of year for fun games, exciting costumes and (of course) excessive candy. For that reason, it’s important for both trick-or-treaters and motorists to stay alert and stay safe throughout the night this Halloween. The last thing any driver wants is to cause an accident. Let the pros at MBS Insurance Brokers Ltd, your auto and home insurance experts in Edmonton, show how you can stay alert and ensure the safety of all the kids running around your street this Halloween.

For drivers

  1. Slow down: as is the case with any environment that includes small children running around the street, this is the most effective way reduce the risk of accident when you go out this Halloween.
  2. No cellphones: you’ve probably heard this 1,000 times by now but it’s worth repeating: you should never drive while talking or texting on your cellphone.
  3. Pay attention: with all the excitement in the air, you never know when someone might come darting in front of your car to get to the next house on the block. Be sure to keep your head on a swivel and keep an eye out for pedestrians that will be littered across every residential road in your area.
  4. Be alert when backing up: be sure to look behind you before you even begin to move the car. With visibility already impaired, it’s important keep your eyes on the road behind you at all times when backing up.
  5. Communicate with other drivers: this may not seem so important, but communication between drivers can go a long way. When at stop signs, or when passing another vehicle, be sure to gesture or even talk through your open window to make sure that the coast is clear for you to pass.

For everyone else

  1. Pick the right costume: make sure your child is visible to oncoming motorists. It’s also important for the costume to be warm and well fitting (to avoid tripping in the street).
  2. Stay with your children when trick-or-treating: keep an eye out and make sure they are safe.
  3. Teach children to be careful when crossing the street: if you’re a driver, it’s important to watch the road, as a pedestrian it’s just as important to watch the cars. You never know when one might run a stop sign or quickly turn the corner.
  4. Be careful with candy: always check your child’s candy before they eat it.

Make this year’s Halloween spooky, safe and memorable. For more information regarding your auto and home insurance in Edmonton, contact us here. Or visit our website and find out how to get the best rate possible.

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.

 

1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.

 

2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.

 

4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.

 

6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.

 

7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.