As vehicle drivers, we have a responsibility to keep the roads safe. But accidents do happen, and it helps to be prepared with auto insurance to mitigate any injuries or damages.
How to Get an Auto Insurance Quote
For new car owners, getting car insurance might get confusing, especially as you come to terms with concepts like coverage and premiums. Luckily, this guide will help you navigate the process, so you can come out with an auto insurance quote that’s right for you!
Auto insurance is a policy made in agreement between a vehicle owner and an insurance company. It protects the former from financial liability for car-related injuries and damages by paying premiums to the latter.
The premiums are fees paid monthly or annually for coverage that determines the extent of protection you and your vehicle get in the event of an accident.
Auto insurance is mandatory in Canada, whether you lease, finance, or own your car.
Getting an auto insurance quote is the first step to obtaining car insurance. In this process, you determine what coverage you need and get an estimate of your premiums and the terms for their payment. Here’s a quick overview of how to get an auto insurance quote in Canada:
There are several ways to get an auto insurance quote. You can get it online or over the phone, via insurance agents and brokers, or even through comparison websites. You don’t have to choose one; you can ask for a quote from several sources so that you can field your options later on. Besides, auto insurance quotes are usually free!
Once you get in touch with a car insurance representative, you need to be ready to provide them with details about yourself and your vehicle. You must give them your contact details, licence information, and driving history and experience, as well as those of any other drivers that will be added to the policy. You also have to inform them about your vehicle, including its make, model, year, and VIN, plus info like how many kilometers you drive on average each year. You need to be accurate about the information you provide to get a fair quote.
Your premiums will also be calculated based on the coverage you need, so you take extra consideration when choosing these. Certain coverages are mandatory (this differs per province, too), then you can customize your policy with other add-ons depending on your requirements.
The best auto insurance isn’t always the most expensive rate or the most attractive offer. It has to be the one that’s right for you.
Think about what you want to protect, and consider getting insurance from a company that has your best interests in mind. Your policy is meant to protect you, so you must choose the plan that does that best.