wants to do their due diligence and get the best rate they can when
it comes to Canada car insurance. The best way to ensure you are
getting Canada's best car insurance deals is to become aware of
thefactors that affect your car insurance premium in the first place,
armed with that information you are one step closer in your quest.
That Affect Canada's Best Car Insurance Deals ...
are some factors you have control over and others you don't when
it comes to getting the best car insurance, here are the ones you
have no control over:
Age - stats show that drivers under 25 years of age are more
apt to get into an accident that those older than 25. If you happen
to be under 25 you have to bite the bullet and wait to get a break
on your insurance premium.
Gender - stats show that women drivers are safer drivers
than the guys are.
Marital Status - if you are married you are more apt to pay
less for car insurance premiums than a single person with the same
driving record. Obviously, the factors mentioned above are ones
that are a little more or less beyond your total control, however,
there are factors that can affect Canada's best car insurance deals
and these are:
1. Your Driving Habits - this is HUGE and obivously an area
where you have complete control. If you have an accident(s) or speeding
tickets etc, you are at a much higher premium because you are considered
a high risk driver. Classified as a high risk driver is something
you need to accept responsibility for and understand that some insurance
companies keep these tickets an accidents on your record for five
years. You will start to see your car insurance premium go down
only when you keep your record clean.
Where You Live - people lviing in areas where there is little
or not traffic will see a lower auto insurance premium than those
who live in the city, mainly because you are more likely to get
into an accident if you live in high traffic areas. There are also
some neighbourhoods that will see a higher car insurance premium
because of the high incidents of auto theft.
Type of Vehicle You Drive - you work hard and one of the
things we want most is the "car of our dreams," but that car can
have an affect on the car insurance premium you pay.
are other considerations as well when it comes to car insurance
premiums and getting the best deals. Things like the distance you
drive to work, if you don't take your car to work each day the you
are less apt to end up in an accident. Whether you have taken a
defensive driving course and your years of driving experience. One
thing that is sometimes over-looked is how many anti-theft devices
your vehicle has, which can give you a few bonus points when it
comes to discounts.
of these factors contribute to getting Canada's best car insurance
deals, however, one main factor is to SHOP. Study's have shown that
insurance companies can vary by as much as $900 based on the same
type of coverage. Don't fall into the trap and call one, maybe two
insurance companies and think you are getting the best car insurance
premium. Take the time and do it right, get Canada Car Insurance Quotes Online
and make sure you are getting Canada's best car insurance deals.
Car Insurance in Canada - Does It Exist?
Tips on keeping
auto insurance rates down