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Affordable Car Insurance For Canadian Drivers

The key to getting lower car insurance premiums is to shop around yourself. Brokers will always assist you, but are you really getting the best car insurance for the best price ? Rates do vary significantly. Vehicle insurance premiums do fluctuate due to the fact insurance companies assess risk independently.

Automobile Insurance Premiums Are Based On Many Criteria

Factors considered are such things as your place of residence, the type of vehicle you drive, type of usage, how long you have been licensed and most importantly your driving record. These variable are appraised to determine a risk profile. As a result premiums can vary significantly from one company to the next for the indentical vehicle and operator with the same level of coverage.

The Internet has become an excellent resource to insure you are getting the best possible car insurance rate possible. At any given time you can request quotes from various different car insurance providers with a simple click of a button and completing a quick questionnaire to determine your insurance needs.

Things To Consider Shopping For Vehicle Insurance

  •     Keep your driving record clean, avoid all traffic accidents and violations. Accidents and convictions stay on your driving record for many years. This is the number one thing insurance companies use to determine your risk as an insured driver. 
  •     Review your current vehicle insurance policy, if you drive an older model, you may wish to consider removing collision and comprehensive coverages which will reveal significantly rates.
  •     Consider increasing your deductible. Higher deductibles translate to lower premiums. Increasing your deductible can be an effective way to lower your rate. It is important to understand should you need to file a claim, you must be comfortable paying the higher out-of-pocket cost for the increased deductable.
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  •     The type of vehicle you drive is an important factor when insurance companies determine your premium.New vehicles cost more to insure as the cost of repair is far greater than older vehicles, exotic vehicles or sports cars are more expensive to insure than family multi passenger vehicles. Insurance companies analyse statistics on theft, safety ratings, and claims history of every make and model when establishing their rates.
  •     Loyalty benefit can cost you more. Some insurance companies may offer discounts if you’ve been with them for a long time. There may be benefits to not switch insurance companies frequently. But a loyalty discount can also give you a false sense of security that may distract you from finding a more cost effective premium. Often the savings associated with a new provider can outweigh any loyalty discount.
  •     New drivers training courses and certification can provide additional. New drivers should take an accredited driver training course. It not only prepares you to become a better driver, but usually qualifies you for a significant discount with many insurance companies.
  •     If you are a multi vehicle family make sure all your vehicles are on the same policy. Multi vehicle discount are very common with insurance companies. These discounts would apply to customers who insure more than one vehicle on the same policy. This can result in savings off both vehicles.
  •     Insure your home and all vehicles with the same company. Doing this may qualify you with a Multi-line discount. These discounts are a great way to receive additional savings on your automobile insurance as well as your property and home insurance.
  •     Many insurance companies offer discounts for vehicle equipped with an anti-theft device. Insurance companies acknowledge your vehicle is less likely to be stolen if you have an anti-theft device installed.

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