Auto Insurance - Quotes and Information
For those in a hurry:
Ontario
Auto Insurance - Free Online Quote
Canada
Auto Insurance - Free Online Quote
However, if you've
got time, read the following tips... they may save you money!
- When shopping for auto insurance, do your homework first. It is in your
best interest to shop around and select your insurer carefully. Your insurer
should offer both fair prices and excellent service.
- Before getting quotes, form a list of pertinent information concerning what
type of vehicle you drive, where you drive, who else drives, what your driving
record is, where you live, and what optional safety features your vehicle
has. This profile will make the search process easier.
- Upon selecting an insurance company, understand your policy, and yes, read
the fine print! Ask questions. Call your insurer to keep your policy up-to-date.
Inform your agent of any changes (new car, new job, new driver, etc.). Review your policy yearly with
your insurer.
- Ask periodically about any possible discounts. If you recently had a birthday or got married, you may be entitled to a premium reduction.
Tips to help keep your insurance costs low:
- Keep your driving record clean. Don't get tickets or cause accidents. Tickets and at-fault accidents on your driving record can drive you insurance costs way up.
- Do you really need collision insurance? If you have an older car, or one in poor condition, you may not want to pay the price for collision coverage. Call a bank or finance institution to find out the price you would get for your car on a straight sale. Take this price and subtract what you would have to pay (the deductible) if you had a loss. Then subtract the cost of insurance for one year. The amount you come up with is the total you would actually net if your car was totaled.
- Glass breakage coverage can add up to 20 percent to your comprehensive premium. When it's not built into the premium, avoid it.
- Towing and labor only pays if you can't drive your car away from an accident. Members of auto clubs with such privileges don't need this coverage.
- Rental insurance costs only a few dollars per year. But if you can depend on another car in a pinch, spare the expense.
- Choose a higher deductible on your collision or comprehensive coverage. The higher the deductible, the less insurance coverage will cost. Be careful though to never have a deductible higher than you can swallow if you do have a claim.
- Let your insurance agent know the safety features in your vehicle. Most insurance companies give you discounts for such safety features as air bags, theft alarms, and anti-lock brakes.
- Avoid buying cars that attract thieves or cars that are costly to repair. (See our list of the most stolen vehicles in Canada.)
- Get a quote now
. You may save money that way!
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