4 Tips to find the right auto insurance

So if you’re up for renewal or buying auto insurance for the first time, we’ve got you covered with those 4 tips to gin the right auto insurance.

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1) Determine the coverage you need before choosing a provider

Be sure to do your research to fully understand the auto insurance you need. You should determine the coverage you need before choosing your provider to be sure your bases are covered, but also so you’re not paying for more than what you need. There are many different types of coverage, but the main ones include:

• Liability

Auto liability is a kind of insurance that is mandatory all across Canada. This insurance protects you from being sued or held legally liable for something that happened while operating a vehicle. This includes negligence, property damage to others/public property or injury.

• Collision

If you’re looking to protect your vehicle physically, then collision insurance is the most important insurance for you. Collision protects against damage by providing financial compensation in the event of an accident.

• Comprehensive

Comprehensive insurance protects against damages done to your vehicle that may not have even happened while you were driving it. It usually protects against things like fire, vandalism, and fallen trees.

2) Don’t choose the cheapest option

It may be tempting to shop around only for the lowest rate. But when it comes to auto insurance, this really isn’t the best route. No matter how you slice it, the cost of auto insurance is always relative to the services and coverage that you receive. Here are a few reasons why:

• Insufficient coverage

Choosing the cheapest option may mean that you’ve only chosen the minimum coverage, which could leave you vulnerable in the event of an accident.

• Expensive out of pocket costs

Again, choosing high deductibles to get lower premiums may leave you with higher out of pocket costs.

• Inadequate customer service

When you buy the cheapest auto insurance available, you may end up paying for it in the lack of customer service. Be sure to choose an auto insurance provider that has 24-hour claims service, so your insurance company is there if you need it.

3) Shop around and compare different providers

Shopping around for the best insurance rate is a great way to ensure you’re getting the best deal — especially when your auto insurance is up for renewal.m

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4) Check for discounts 

Some insurance providers will give you discounts on insurance if you are above a certain age, 5 years claims-free or married. Be sure to check and make sure you’re getting the discounts you’re eligible for.

If you’re in the market for auto insurance, be sure to check out YouSet Insurance and all the ways you can save with home and auto insurance.

Buy auto insurance online in 4 minutes with YouSet! Get your coverage now.