| Drivers can save a decent amount of money by | | | | Any time you are refused coverage it will have |
| comparing automobile insurance rates in Canada. | | | | to be reported on subsequent insurance |
| Finding out what factors affect your insurance | | | | applications. Also any accidents in the last ten |
| and how to shop for coverage is the first step to | | | | years where you were deemed at fault and any |
| significant savings. | | | | claims will need to be disclosed on future |
| Research insurance rates over the internet or on | | | | applications. Remember to be up front with your |
| the phone. Use search engines to find comparison | | | | record to obtain the most accurate quotation and |
| websites or check out the yellow pages for | | | | the best coverage. |
| companies that serve your area. One phone call | | | | Gender is another factor which may increase |
| and less than 20 minutes of your time to answer | | | | your auto insurance rates. Whether male or |
| questions and make a few choices can put you | | | | female, if you have taken a driver training course |
| on the path to saving money. Get a firm | | | | and can provide proof of it, your rates should |
| quotation to really get a handle on how much. | | | | decrease. |
| Auto insurance rates change based on you, your | | | | It would seem that Ontario has the highest |
| car and your location. In a few provinces | | | | automobile insurance rates in Canada. An Ontario |
| mandatory insurance is issued through the | | | | driver who's 23 years old and owns a 2006 |
| government, such as in Manitoba. Across the | | | | Chrysler should pay around $1600 annually, while a |
| country it is the law that all drivers have adequate | | | | Quebec driver who's 19 years old and owns a |
| coverage for property and liability damage. That | | | | 2005 Mazda will pay less than $1100 through the |
| coverage must be valid at all times. Insurance | | | | same national insurance company. Although other |
| companies also sell policies that cover drivers well | | | | aspects may have affected that comparison, |
| beyond that minimum amount. | | | | where you live is an important factor in how high |
| If an Alberta driver who is 49 years old drives a | | | | your insurance is. |
| 2004 Toyota Sienna, they can expect to pay as | | | | Setting a higher deductible will decrease your |
| low as $1400 and as high as $1700 for insurance. | | | | annual policy. Also be sure that you are not |
| If that driver moved to Ontario and drove a 1999 | | | | carrying any excessive or unnecessary coverage. |
| vehicle, they would save anywhere from $200 to | | | | Go over your policy in detail and choose the |
| $300 per year. | | | | highest deductible that you are comfortable with. |
| Your past driving record and the use of your | | | | Remember that the annual savings stay in your |
| vehicle will also have an effect on the automobile | | | | pocket every year and the higher cost of the |
| insurance rates in Canada. Using a car or truck for | | | | deductible is only relevant when a claim is made. |
| business will result in more distance driven and a | | | | When shopping wisely for automobile insurance |
| higher insurance policy. Also a bad driving record | | | | rates in Canada, be honest about your record and |
| will drive the cost of insurance up and may cause | | | | understand the coverage offered. That will help |
| a provider to cancel your policy or refuse further | | | | you to choose the best policy and obtain the |
| coverage. | | | | lowest rate. |