The Top Reasons Why You Want to Insure Your Car

Why should you pay car insurance? It's often very expensive, and you're a safe driver, right? You're practically giving money away. And for what benefit? Well, even if you are the world's safest and most conscientious driver, you absolutely need car insurance. Going without it is irresponsible, dangerous, and it's against the law. Every province in Canada have laws regarding car insurance, and the punishments for not having it are no joke. You can get an expensive fine, damage your driving record, lose your driver's license, get your car impounded or even go to jail for driving without insurance. Coupled with another offense like speeding or running a stop-sign, it's even worse.

But you're a perfect driver, right? You don't speed, run stop signs and red lights, park illegally, drive without a seatbelt or make illegal turns. You have nothing to worry about, right? Wrong. Even if your driving is beyond impeccable, you are on the road with other people who might make poor decisions. Maybe they are distracted, intoxicated, over-tired, talking on a cell phone or just plain careless. Maybe they forget to check their rear-view mirrors before changing lanes or they neglect to use their turn signals.

As careful and vigilant you may be, every second you spend behind the wheel you are at the mercy of other drivers. Tens of thousands of automobile accidents happen every day. If you get into something as insignificant as a fender-bender and get caught without insurance, you will find yourself in a very difficult and expensive situation.

Also, insuring your car has never been easier. There are dozens of internet sites devoted to helping you find out what type of insurance is best for you. Many sites will even generate quotes from multiple companies to help you determine which one is best for you. Using the internet, it's possible to find a good policy and open it in less than an hour.

If you still think car insurance it too expensive, consider this: You can adjust your coverage and drastically lower your monthly payments. You might consider using liability-only insurance. If you get this type, damages you do to another person's car in an accident are covered, but your own vehicle is not. If you have an older-low cost car, this might be the best option for you. Or you could consider raising your deductible. Your deductible is the amount of money you would have to pay if you got into an accident. When you increase that amount, you reduce your monthly payments. If you have money saved up and are a safe driver, this is a great option. You could save a lot of money.

Ultimately, the decision to have car insurance is yours. The government can make rules that encourage you to get it, but it cannot make you lift the phone or get on the computer and sign up. If you still think you don't need auto insurance, think about what would happen to you if you got into an accident. Could you afford to not only lose your car but have to pay for damages to another person's car as well? Could you afford to pay a stiff fine, lose your driver's license, your car or spend time in jail? Give yourself peace of mind and get insured. You won't regret it

Be Smart When Choosing Your Car Insurance Provider

Choosing a car insurance provider is not like buying a sandwich or a new pair of shoes. Car insurance is a big commitment, a large expense, and potentially a major influence on your life. Choosing the wrong insurer or benefits package might cause you to pay far more than necessary, or even cost you thousands of dollars in the event of an accident.

First off, use every resource at hand when choosing an insurance provider. Ask your friends what company they use, but remember insurance premiums are highly individualized, and one company that gives someone you know a great deal might not do so for you.

There are dozens of popular internet sites devoted to car insurance advice. Do your research. See what the best options are for you, and follow up on them. Other websites will generate quotes for you from multiple insurers. Using these sites is a great way to see how different companies compare. You'll save a great deal of money by taking your time and finding the insurance company that offers you the most affordable package.

Almost every reputable company has a toll-free number you can call where you can talk to a representative. Don't be shy about using these numbers. If you have a question, call and ask. Any company that is worth considering should take the time to help you find out what you need to know. Plus, talking with a representative will give you a taste of how well a particular company treats their customers.

Once you find an insurance provider that offers you a reasonable rate, be sure the company is reputable and the insurance package you are considering is worthwhile. Do a quick internet search and find out what people are saying about the company. Are you finding lots of negative comments? Are they treating their customers unfairly? Be sure the company of your choice has a good reputation. One company might seem like the best option because of its low price, but if they have poor customer service or have a policy of refusing claims, you may not be happy in the long run.

Another important thing to consider when choosing a car insurance provider is what type of insurance you want. Different companies cater to different needs. Some serve people after a bargain. Others serve more demanding customers who are willing to spend more.

Know what your needs are. Are you driving an aging economy car? Then you might not want a full coverage package that costs a lot of money. Consider buying liability-only insurance from a low-cost insurer. Are you driving a brand-new luxury automobile? Then find an upscale insurer that will give you top-to-bottom comprehensive coverage.

Remember, nearly all provinces in Canada legally require drivers to have some form of auto insurance. Insurance is not to be taken lightly. Ignoring it altogether can cause you to get your car impounded, lose your driver's license or even be thrown in jail.

Taking the time to buy car insurance from a reputable, quality insurance company can potentially save you thousands of dollars and lots of legal trouble.