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Rates.ca Car Insurance

There are many different methods and resources available to help you find affordable auto insurance. This article addresses some frequently asked questions associated with car insurance.

What is Liability Insurance?
In Hamilton, as in all of Canada, it is required for all people who operate vehicles on a regular basis to purchase liability insurance. Liability insurance is a type of auto insurance that will help pay for any damages that occur if the person who holds the insurance policy should get into an accident. This is important because without liability insurance, most Hamilton residents would be unable to afford the large amount of money needed to repair or replace any damaged personal property that resulted from an accident that they caused.

What is Collision Insurance?
Collision covers the repair or replacement cost of your vehicle if you're involved in an at-fault accident. Even if you're not at-fault and you don't have collision insurance, you may still be covered by most auto insurance policies in Ontario.
How Can I Get the Best Price Possible?
Determine What You Need: The first step in getting the best price possible for a car insurance policy is to know exactly what you need. Make a list of what coverage you require.

Ask About Discounts: When looking to purchase car insurance, it is critical to always ask about any discounts that might be available. There might be discounts for having multiple drivers on the same policy, or for having multiple cars on the policy. There are almost always discounts for safe driving. If a person has gone for an extended period of time without being in an accident or receiving a ticket, then he or she is considered to be a lower risk by the insurance company and therefore more likely to qualify for lower cost insurance.

Check Your Car's Rating: Owning certain models of cars may require higher insurance payments. Cars that rate highly in the fields of durability and safety may result in less costly insurance premiums.

Improve Your Credit Score: Take steps to ensure that your credit score is as high as possible. Some auto insurance companies consider people with low credit scores to be more at risk and may choose to charge those candidates higher premiums. By improving your credit score, you can eliminate this possibility and save money on your insurance in the process.
How to save on your car insurance with Rates.ca
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