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Getting a deal on auto insurance |
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By Sher Matsen » Auto insurance in
Canada is expensive, often costing you as much or more than the vehicle
itself. So getting a good deal on auto insurance can save you plenty of
money.
The first thing you need to do is get auto insurance online
quotes.
Finding (comparatively) low-priced auto insurance is actually quite
simple if you use the online tools that are available to you. There are
many insurance companies that will offer you online insurance quotes
and then allow you to purchase your insurance right from your computer
chair.
What you want to be sure to do is get plenty of quotes. You
also need to makes sure you are comparing like coverage. Read all the
hidden clauses and get all the details to make sure you are comparing
the same coverage. We recommend getting at least 10 quotes.
Buying online insurance can save you both time and money. No more
wasted time sitting on hold on the telephone, or driving around town
from one insurance company to another, then waiting to see an agent.
Now you can accomplish all of this with a few clicks of the mouse.
You can also save up to 40% by shopping online. The insurance industry
is very competitive and with the advent of online insurance purchasing
it has become even more competitive.
On sites you may still have to wait up to 24 hours to get the quote
back but that’s not too bad at all. Remember to be truthful on the
quote applications.
Insurance companies will validate the information you supply so if you
tell little white lies and get a better rate, they’ll take it away from
your later or worse yet cancel your insurance.
There are many different ways to get a discount. A clean driving
record, no tickets, no accident, your age, drivers over 50 often get an
extra discount.
The type of coverage you choose can also earn you a bigger discount.
For example the higher your deductible the bigger the discount.
Different types of vehicles will also earn bigger discounts. The more
safety features your vehicle has the more of a discount it will earn.
Also the less driving you do the more discount you will earn.
There are many things to consider when buying insurance, all affect
your rates. You should decide what coverage you need and how much of it
you require before requesting quotes. That way you’ll be asking each
insurance company for the same coverage.
Some states and provinces require minimum coverages, such as with
liability insurance. Be sure you know and understand what coverage is
required by law and make sure you include these coverages in your
request for quotes.
You should also make sure you choose reputable insurance companies to
deal with. Great savings are only a good deal if in the event of an
accident your insurance company very quickly handles the claim.
Companies that drag claims out and prolong paying are no deal!
So whether your insurance is due or coming due shortly, now is a good
time to start checking rates and seeing what type of discounts you can
get. So the question is are you ready to save some money?
About the Author: Sher has been a
freelance writer for over 20 years, offering information and advice to
consumers. To find out how to save on your auto insurance, visit The Auto Center.
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