Top Car Insurance Questions you Should be Asking


insurance questionsIf you are looking to have your car insurance questions answered, make sure you are asking the right ones!  These can help lead you to the best insurance provider for you, the one with the best coverage at the best rates.

How to Begin

You should always do your research, and executing a few basic searches on your computer is a great starting place.  You can easily get a list of quotes online, all you have to do is give the sites a bit of basic information about yourself, such as your age, your postal code and how far you need to drive to and from work each day.

This helps you, and the providers, get a better idea of what type of insurance you need, and what it will cost you.  It will also help you eliminate any insurance carriers that offer minimal coverage at a high price.  Weeding out carriers that just will not work for you is a great next step, because it helps cut down the legwork so to speak.

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Look for Reviews

After you have narrowed down your list, go back to your research.  Look for reviews on each carrier, and make sure that each insurance company’s customers are happy with their service, and their coverage.  It does you no good to save money on your insurance if you cannot use it: if customer service is not there to help, or if they do nothing in the event that you do have an accident and need them.

Customer reviews are great at alerting you to problems.  You can also look to sites like Consumer Reports who call out insurance companies who have high costs and numerous cancelled policies.

You may also want to look for online forums where customers share their experiences with individual insurance companies. This way, you can see the good and bad of various companies and will even be able to ask questions of your own.

Questions to Ask

Back to those questions.  Once you have this additional information, you are ready to begin calling insurance companies directly, or reaching out to them online.

Here are some car insurance questions to ask:

  • If you have poor credit you will want to ask the company how they evaluate potential customers and find out if your credit score will cause you to have higher premiums. Or, if you have good credit, ask if this gets you a discount.
  • If you are a student, or if you have children in school, ask if the company offers good student discounts.  If you have a teen driver on your policy, who does well in school, this can save you a bundle.
  • Low mileage discounts often apply to newer cars, so ask about that. Additionally, if you have theft control devices or safety equipment on your car, ask to see if this gets you any extra discounts.
  • Defensive driving course discounts often apply, too. If you have ever taken one, or if you would be willing to take one, mention it to the agent and see if it helps your premium quote.
  • Safe driver discounts are new and more and more companies are offering them. These usually take effect after you have been with the company for a year or more. Ask about them.

Ask Around

And finally, one of the best ways to find an insurance company in Canada is to ask your friends or coworkers who they use for insurance, and then see if they are happy with their coverage. Referrals are a great way to find a trusted car insurance carrier.