4 Things to Know About Car Insurance Quotes If You’re New to Canada

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4 Things to Know About Car Insurance Quotes If
Youre New to Canada
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You need to be aware of the Provincial laws, find
a reliable insurance provider, search for the
best deal, and avail special discounts to ensure
that your policy has adequate coverage and fits
in your budget. We bring you the top 4 things you
need to know if youre new to Canada.
1. How to Search for Cheap Auto Insurance Quotes?
Buying a car insurance in Canada is similar to
most other countries. You can buy your policy
through an insurance broker, directly from the
company or through an agent. The best way to
compare quotes and find a cheap plan is to use an
online platform that compares various companies,
their plans and their rates. You can also contact
some local insurance companies and see if they
can get you better deals.
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2. How Do Insurers Consider a Lack of Driving
Experience in Canada?
This can directly impact your insurance rate and
thus, is an important consideration when looking
for quotes. There are two kinds of groups
regarding your out-of-country driving experience.
While some companies will not consider your past
driving experience and treat you like a new
driver a few others might consider your previous
driving in another country and give you a better
rate. Its always recommended to speak to the
company or a broker and understand how much
youll have to pay.
3. How Can You Reduce Your Rates Even Further?
There are many things that can impact your
insurance rates in Canada. While some can be
influenced by you like the cars model, others
are beyond your control, like your age and
gender. Other things that can affect your rates
include
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Location The differences in insurance rates by
location can be vast. For instance, buying
insurance in Alberta is cheaper than buying it in
Ontario.
Car Make Before buying a car, get an insurance
quote to avoid unpleasant surprises. Some cars
are considered high-risk for theft and accidents
and thus, are expensive to insure.
Proximity to Work The closer you stay to your
workplace, the less risky you are to your
insurance provider leading to lower premiums.
Parking If youre buying a new home, try
getting one with a dedicated parking with
security measures to lower your premiums.
Winter Tires In certain Provinces like Quebec,
winter tires are a must but in others like
Alberta or Ontario, they are optional. However,
getting winter tires can reduce your insurance
rates and also ensure safer and smoother driving
in the Canada weather.
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4. What Else Do You Need to Know?
Accident Records Ticket convictions fall off in
Canada after a period of 3 years. Accidents tend
to put lesser impacts on your records, year after
year, for up to 20 years.
Rental Car Insurance This is a good add-on with
your protection on your existing car. It costs
around 20-30 per year while getting a rental
insurance in a rental location can cost nearly
15-20 per day! Plus, buying a rental car
insurance in a rental location has lower
insurance limits than your personal policy. Some
credit cards in Canada offer rental car coverage
but remember that it does not cover 3rd party
liability.
For new residents of Canada, buying car insurance
can be overwhelming. By having all the right
information by your side, youll be able to get
reasonable quotes and buy ample of coverage as
per your needs.
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Contact Us
Add 3475 26 Avenue NE, Calgary, AB, T1Y
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office_at_beneficial-insurance.com Website
www.beneficial-insurance.com
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