How to Get Cheap Car Insurance Online

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by: barbarawhite1956
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Word Count: 643
Date: Thu, 10 Feb 2011 Time: 9:32 PM
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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.

Shopping online means absolutely no pressure on you, no sales agent forcing you to buy something. But also, do not end up being under-covered, as you might regret it later. So do your homework ahead of time. You need minimum liability. 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. Unfortunately, you can't get rid of either one of these two problems immediately, however there's a few ways to get around them, like pay off as much debt you owe and attend a safe driving class to reduce your rate a little bit.

3. Make sure you print everything!

There's plenty of documents that you might be asked to print while you're searching for insurance. The insurer may even ask you to print out a document, sign it and mail it 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.

Prices can vary dramatically and in fact, most people estimate they save around $600 by doing comparison shopping for insurance. 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 truthful.

The anonymity of the Internet can embolden us, which might lead us to money-saving fibs. However, keep in mind that the insurance companies scrutinize these policies after purchase. They're very good at finding half truths and you might even be fined.

6. Hunt for the companies with the biggest discounts!

There are a slew of insurance discounts available online including driving record, credit score, safety equipment, your occupation, affiliations and so forth. Figure out what applies to you and then shop for those discounts specifically. Even though this step takes a little bit of extra time and work, it's bound to save you some serious money at the end of the year.

7. Be careful when you pick the insurance company!

Having the cheapest rates is not always a good thing, so be careful to read reviews on the insurance companies. Things are easy when dealing with one of the major brands. However, things get a little more complex if you want to buy from a small firm. Do the legwork to ensure that they're established and earn satisfied customers.

8. Combine as many policies as you can.

Getting a multi-line insurance discount involves combining at least 2 different insurance plans on one single policy. If you're able to find a company you like that provides both home insurance and auto insurance, it's a good idea to give them the 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.

About the Author

It's tough to find affordable car insurance without a service like Kanetix. This service will connect to many of the top insurance firms and do a car insurance comparison for you in order to find you the lowest rate for your requirements.