Cheap Auto Insurance

How do you find cheap auto insurance? Well, first it helps to understand how auto insurance quotes are determined.

What are car insurance rates based on?

In Canada car insurance rates are based on several general factors which include:

• Age of the Driver – younger ages pay more
• Number of years licensed – the longer licensed the better
• Gender – females usually get better rates
• Marital Status – married drivers are consider safer
• The city you live in – the insurers keep statistics right down to postal code of claims – you might pay more in one area than you would in another!
• Accidents - Having an at fault accident on your driving record severly impacts your rates for as much as 6 years
• Tickets - Having tickets on your driving record impacts your rates for 3 years
• Payment History - missed payments and lapsed policies due to non pay can severly impact your rates
• The type of car - insurers carry statistics on each type of car for their safety record and overall claims history

There is no such thing as the cheapest car insurance company. Every car insurance company has different target customers and offer lowest rates to them. So, outside of driving carefully, the best way to find cheap auto insurance is to shop around for the best coverage at the best price

You should get an auto insurance quote from several insurers and there are several ways to do this. Read Car Insurance Quotes in Canada to find out where you can get quotes from.

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Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. This website is a free information source provided by an insurance broker from the Niagara Region in Ontario. So use this site to gain a general understanding of insurance with your own area and situation in mind. Even residents of Ontario should keep in mind that this insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page.