How to get an insurance quote before buying a car
Buying a car is a very exciting and important purchase. However, you should make sure to get an insurance quote before you swipe that credit card at the auto dealership.
Taking the decision to buy a car is an exciting milestone. Given the size of this purchase, you’ve probably put a lot of thought into a lot of things: The make and model of the car, what color you want, your budget, and when your first road trip is going to be. However, you shouldn’t forget a major part of getting a car:
Getting the right auto insurance.
As you probably know, auto insurance in Québec functions in two parts: Every Québec resident is automatically covered by the province’s public auto insurance scheme, the Société de l’assurance automobile du Québec (SAAQ). This plan covers damages that resulted from car accidents, regardless of who’s at fault. However, you also are required to purchase additional private auto insurance with a civil liability policy that covers at least $50,000 in damages. This additional policy covers any property damage that may have resulted from your driving.
Why you should get an insurance quote ahead of time
While it may be tempting to buy your car first and then worry about the insurance later, we don’t particularly recommend this approach. The reason why you should be looking at insurance policies for purchasing a car is that your monthly premium will depend largely on what kind of car you get. Insurance companies will also ask you about your driving habits, how often you plan to use your car, and your age and gender. All of those factors will influence the final quote you’ll receive from insurers.
However, not all insurance companies are the same. Some may offer discounts for bundled policies, meaning they’ll lower their premiums if you agree to buy multiple policies for different kinds of coverage. Other insurers may have special promotions, or simply offer a better rate for the kind of coverage you’re looking for. That’s why it’s really important to shop around for insurance policies before buying your car.
Getting a quote ahead of time will also help you budget more efficiently. While owning a car means you’ll get to enjoy all the freedom and benefits that come with it, a car is also a significant expense that you’ll have to factor into your other monthly expenses, such as rent, phone, and internet plans. The price of gas and regular maintenance are just some of the expenses you’ll need to consider. The biggest monthly expense associated with your car will likely be your monthly insurance premiums. Although Québec has some of the lowest auto insurance premiums in Canada, the average monthly cost of auto insurance is still about $700 per year, according to the Insurance Bureau of Canada. Comparing quotes is a good way to ensure you’re getting the best deal at the best price.
How to get an insurance quote
The best way to get an insurance quote before buying a car involves the following preparation:
- Do some research and find out which cars tend to be cheaper to insure. Luxury cars tend to be more expensive to insure, as are cars with a lot of fancy electronic extras. The less flashy the car, the more humane your monthly premiums will be.
- Be realistic about how often you’ll be using your car, and how much you plan to drive. The more you plan to use your car in your daily life, the more expensive the premium will be.
Once you know all these factors, then it’s time to start comparing quotes with different providers. While this step usually involves a lot of legwork and spending loads of time on the phone with different insurance agents, YouSet saves you time and money by having you fill out a simple online questionnaire that only takes a couple of minutes. Once we’ve got the information we need, you will get the best quote from all insurance premiums that we calculated!
The best part? We guarantee you the best price. On average, our users have saved about 29% by shopping for insurance with YouSet. With our help, you’ll get a fast and convenient overview of all auto insurance quotes available for your situation, and you’ll be able to purchase the policy you want right there on our site. Curious? Give us a try!
With YouSet, get a free online quote for an insurance that suits your needs and budget, in only 4 minutes!