subject: Canada Car Insurance Quotes and Scam [print this page] Canada Car Insurance Quotes and Scam Canada Car Insurance Quotes and Scam
Regardless if you are a novice driver or a more experienced senior citizen driver, you are required by law of having Canadian car insurance coverage for liability damages whenever you drive your car around near your vicinity of Canada. If you are stopped from the police for an inspection, or if you're driving without car insurance in Canada, you risk getting some heavy fines, demerit points applied to your driver's report, and your vehicle could even end up seized.
If you are involved in an accident without even third party car insurance coverage, you can get yourself into complicated financial problems apart from the legal responsiblities. If the other drivers or passengers are seriously injured or simply their vehicles are badly damaged, it is you who will be responsible to be charged all their medical costs and vehicle repair compensations from your own pocket which ranges hundreds and hard earned money. As if that isn't enough, you also have to pay a legal costs on your side as well as the other driver's lawyer fees. In other words, you will realize it is far better let canadian car insurance companies cope with such expenses instead of you paying some money.
If your offenses are repated, your Canadian driver's license may be suspended. There is no need to attempt to save money over cheap car insurance since you should be able to see that the average car insurance prices/quotes are in general lower compared to similar coverage in the us.
Car insurance in Canada has a few universal coverages but typically motor vehicle insurance coverage varies tremendously from province to province or territory. The basics of insurance might stay the same but certain variables and laws modify. For more information on the section of Canada in which you live, or prefer to move to, you can contact your Insurance Bureau of Canada.
In order to have the cheapest possible rate make sure you call few companies when you decide which insurance company you might join. Make a list of all questions you've got before you call and be ready to answer questions you can be asked. A lot of car insurance agencies will try and sell you increased products, which you might not require, make sure you fully understand everything that these optional features are. If confused, need to ask questions. Keep in mind that it must be your job to ask questions and additionally their job to answer them. If you are asked a query and you are not sure if you must answer it, ask questions. Compare quotes, and rememer that car insurance are usually expensive and you'll be surprised with results and different prices these companies will offer.
Checklist for vehicle insurance
What coverages does the law require me to find?
Can you give me an example of a loss that might be paid under each coverage?
I understand you can find optional coverage selections of Specified Challenges, Comprehensive, Collision, and All Perils. What would each one cover, and which should I look into?
Is it possible to buy "new to get old" coverage on my vehicle and additionally, if not, why not?
Should I purchase coverage for a rental car if my car is out with friends of use because of an insurance loss?
Is there also coverage available to protect such a rental car from damage to it that could be my responsibility?
As my insurance skilled advisor, what coverages and limits do you recommend that I carry?
Watch our for auto insurance scams
There are many documented cases of folks claiming to be insurance brokers or simply agents, but they are in truthfulness scammers. They are offering "discount insurance", often from an non-existent insurance firm. Be very careful when you are buying deals on car insurance. If about to catch careful, you could end up a recipient of a serious fraud that find yourself costing a small fortune.
