Choosing your car insurance can often seem difficult, especially if you’re a first-time buyer or don’t know much about different types of insurance. It’s important to choose the right insurance for your car and for you. Here are some tips to help you in your shopping process and talk with different auto insurance companies.

Be aware of your needs

Before you start choosing your new vehicle or the choice of your car insurance, you need to establish a plan. An important aspect of the plan for your auto insurance is knowing your needs.

Your need in terms of insurance will change depending on the type of car you have or are looking for and the type of coverage you need. For example, a car with a higher value will cost more in terms of insurance payment.

Another aspect that can impact the choice and the price of your car insurance is the number of drivers and the city in which you live. If you live in a busy city where accidents happen often and cars are often being stolen, it might impact the price of your insurance.

Therefore, multiple aspects like the usage of the vehicle, the coverage needed, the number of drivers and your city  will all play a role in your choice of auto insurance.

Take the time to compare several insurance companies

Once your plan is settled and you know what you are looking for, don’t hesitate to compare offers. It is now time to shop around and get some information about the different prices and different car insurance you can get. Ask for multiple car insurance quotes and you can always negotiate and compare several aspects between offers from different insurance companies. 

Once you have gathered a couple of auto insurance quotes, it is now time to compare. You can compare and make your decision regarding the prices, regarding the inclusions in the contract (car insurance coverage), regarding the different policies or even certain extras. 

Finally, you can also compare the claims process to see if it is easy and quick. Good customer service is important as you will need someone to answer and be there to help you if something happens. 

What do you need to have in hand when shopping?

To help you shop and facilitate your life and the life of the expert on the phone, you need to prepare a couple of things in advance. 

When you purchase and sign your auto insurance policy, you should be prepared and have the average number of kilometres you drive each year. You should also have your latest auto insurance policy, if you have one, and your car identification number. You should also know that your driving record can impact the price of your car insurance rates. 

By having all these informants ready, you will save a lot of time and you will show that you know what you are doing.

Different types of coverage

Depending on your need established earlier, you can choose between different types of coverage. Before choosing them, you should definitely know what they are and what they do for you. Let’s take a quick look at some different option that you can choose from:

Liability coverage: This coverage protects you if you cause any damage to others. Therefore, if you hit someone else’s car and you are responsible for the bill, the insurance will cover the damage. This is often required to have this type of coverage as a minimum.

Collision coverage: This coverage protects your car if you hit a person or a car even though it is your fault or not. Therefore, if you have any damage to your car, they will cover you. It is always good to have more than just the minimum coverage required.

Comprehensive coverage: This coverage is often sold with the collision coverage as it also protects you against vandalism, fire, and theft.

Do not hesitate to ask questions

As mentioned at the beginning, choosing the right car insurance can be complicated and stressful. Therefore, when you’re shopping or talking to an expert, don’t hesitate to ask any questions you may have. It is your right to know what you are buying and it is their job to inform you.

About CarCostCanada

CarCostCanada is Canada’s new car pricing experts. We are here to help you and answer your questions regarding new car purchases. You can always chat with us directly on the website. It will be a pleasure for us to help you in the best way possible in the buying process of your new car. Don’t hesitate to use our free report tool to compare cars and get the best price in three easy steps.