How to Get Cheap Car Insurance Online
Because auto insurance in Canada is rising every year, more and more people are inclined to shop online in an attempt to find better premiums. Although the Internet has an unlimited number of benefits when it comes to shopping, the primary motivation is increased competition and thus lower prices. However, there are some tips and pitfalls that the first-timer needs to know. Therefore, if you’re someone that’s on the hunt for the best deal out there, make sure to read.
1. Be sure you know exactly how much coverage you want.
A great aspect of buying online is the lack of pressure; there’s no agent trying to sell you insurance. But also, do not end up being under-covered, as you might regret it later. That’s exactly the reason why it’s very useful to know what you’re looking for, before shopping for a car insurance policy. You might need more if you have assets.
2. Make sure you keep a clean drivers history & also a credit report.
A poor driving history or a bad credit rating are the two most common problems that people face when trying to get an insurance policy online. You can’t fix either of these overnight, but if there is a bill you can pay or a night class that will reduce points, they can have a substantial effect on your rate.
3. Have a working printer, fresh ink and plenty of paper.
When you’re doing your research or hunting for quotes, you might have to print out a lot of documents. In fact, insurance companies often ask people to print paperwork, sign them, scan them and then send them back to them. Unfortunately for those that don’t have a printer, you have to do this the old fashioned way: through the postal mail.
4. Get at least 3 different quotes.
In the insurance world, the prices can vary quite a lot, the average being around $600 between the top two insurance providers. Online insurance forms will take you less than 10 minutes, so if you fill out 3 of them, it’s only half an hour. By comparing 3 companies, you’ll get a pretty good idea of how much you’re supposed to pay for insurance plans.
5. Be honest & accurate.
Since the Internet is really anonymous, some people might be inclined to bend the truth a little. Unfortunately this is a problem as insurance firms will check your details to make sure they’re accurate. They’re very good at finding half truths and you might even be fined.
6. Be sure to check out what discounts are available.
There are a slew of insurance discounts available online including driving record, credit score, safety equipment, your occupation, affiliations and so forth. Seek out the companies that offer discounts for people of your ‘profile’, for example if you’re elderly, then senior driving insurance companies like GreyPower. You’re likely to save quite a bit of money if you actually put in the time it takes for this step.
7. Choose carefully which insurance firm you sign up with.
Cheapest isn’t always best, so use the power of the Internet to evaluate the insurer. Things are easy when dealing with one of the major brands. It’s a little bit more complicated if you’re trying to purchase from a smaller company. Be sure to find out if their customers really happy by doing previous research.
8. Consolidate with the company you choose.
Multi-vehicle and other family-oriented discounts are the most common insurance discounts. When you find a company that you trust and that has good rates, it benefits you to give them all of your business. Discuss this prior to committing. You may not be successful in getting all of the insurance plans combined, however, the majority of insurance providers will be able to give you a few discounts regardless.
In order to get affordable car insurance, a good resource to use is Kanetix. This website will do a car insurance comparison and calculate your insurance premium from various providers.
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