Regardless if you are a novice driver or a more experienced older 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 by 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 get 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 their vehicles are badly damaged, it is you who will be responsible to cover all their medical costs and vehicle repair compensations from your own pocket which ranges hundreds and thousands of dollars. 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 many 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 ought to be 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 most of the time motor vehicle insurance coverage varies vastly from province to province or sales area. 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 obtain the cheapest possible rate make sure you call few companies when you decide which insurance company you can 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 companies will try and sell you increased products, which you might not require, make sure you fully understand just what 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 question 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 various 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 there is 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 to get 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 vehicle 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 purchasing for 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.
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