Tips for Better Auto Insurance Quotes
Many people do not realize that there are a variety of ways to shop for and save on auto insurance. The following tips could save you quite a bit of money.
1. Understand your coverage - take your time to learn about all of the different coverage options. There are optional coverage's that you may or may not need depending on your situation. Take an interest in your coverage and decide what is best for you.
2. Insure your car where your home (or renters) insurance policy is. This can account for savings of 10-20 percent
3. Insure all of the vehicles in the household under one policy. Most companies offer a multi vehicle discount which accounts for further savings of 10-20 percent
4. Choose a higher deductible. Make sure you can afford the deductible you choose. But ask what the next, higher, deductible is and you could save 5-10 percent
5. Drive safe! Having an accident on your record can really increase your rates for several years after the accident. (It is six years in Ontario).
6. Tickets also increase your rates. One speeding ticket every few years is not a big deal. But a major ticket or several small tickets in a short time really can increase your rates
7. Shorten your commute - the closer you live to work, the lower your rates will be. If you take public transit instead of driving to work be sure to let your insurance company know.
8. If you are a new driver take a driver training course. Most insurers give you credit for extra years of experience because of driver training.
9. The kind of car you drive impacts your rates. But not nearly as much as your driving record does!
10. Shop around. Get 3-4 different quotes. When getting quotes, be sure to ask what coverage is recommended. Decide what coverage you want to have and then ask for quotes on the same coverage from all of the sources you are requesting
11. Understand the pros and cons of where you buy. There are three key options in buying auto insurance: 1. You can buy direct through a toll free number or website; 2. you can buy through an agent (agents represent just one company); 3. you can buy through a broker who will get several quotes. The direct route is a great way for you to learn a bit on your own, and you might save over buying through an agent or broker. But will you get the same level of personal service as a local agent or broker would give.
Tips 2 - 4 alone can save you as much as 50 percent! And tips 5 & 6 are critical. Those with poor records can pay as much as five to ten times more than those drivers with clean records.
Please visit http://www.canada-insurance-source.com/Cheap-Auto-Insurance.html for more information.
Ontario Broker is an insurance broker who wants to help consumers better understand insurance. Ontario Broker has nearly ten years of industry experience and encourages people to learn more about insurance.
www.canada-insurance-source.com
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