According to the Canadian Transport and Safety Authority, there are over 160 000 car accidents annually. While accidents are unplanned, anything can happen to your car, whether at home or on the roads.
This demands having the right personal auto insurance St. Catharines cover for any unplanned problems. However, getting affordable insurance coverage for your car depends on your knowledge. Here are five tips to get you a reasonable auto insurance quote Ontario.
Check Different Providers
There are over thirty different insurance providers in Ontario, each with different policies. While you want the best insurance quote for your car, it’s best to look into what each insurer has to offer.
Many insurance agents work with particular providers, thus will limit your selection pool. This applies to brokers, but they may have different commercial auto insurance St. Catharines providers.
Have the Right Car
Some cars cost more to insure than others, depending on their value and likelihood of an accident. Hence, the commercial auto insurance St. Catharines providers must assess the risk possibility before offering insurance.
So when looking for the best car insurance quote Ontario for your sports car, expect to pay more. So, by having a lower-end car, you will likely get a lower insurance quote.
Have a Clean Record
Personal car insurance St. Catharines insurance providers will consider your driving record. If you have a history of offenses and accidents, you get considered as high risk and charged more.
However, if your accident history dates back more than three years, and you have a clean record, you are subject to charge reduction. Ensure your commercial auto insurance St Catharines insurer uses up-to-date information.
Think of Your Location
If you are likely to spend more time on the road, a personal auto insurance St. Catharines insurer will charge more. These charges arise since the insurer anticipates that you will likely get involved in an accident.
Likewise, if you don’t spend more time on the road, you can get fewer insurance premiums. Use a Usage-Based Insurance (UBI) program that gets you a car insurance quote Ontario based on your driving activity to avoid extra charges.
Having the right car insurance quote Ontario goes a long way towards saving money. You do not have to pay for expensive insurance coverage when you can get a reasonable option.
Our tips above help you get affordable personal auto insurance St Catharines in Ontario with ease. So good luck finding the best insurance provider.