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Meeting with Ontario car insurance brokers to compare insurance prices may seem mundane, but it is something that must be done to stay within the boundaries of the law. This is because all Canadian provinces and territories mandate that drivers carry car insurance when driving on public roads. Driving while uninsured will result in severe penalties and possibly the revocation of your driver's licence. In addition, car insurance is a financial necessity for most people; very few drivers can afford to pay the costs of an accident out of their own pocket.
With a population of around 1.1 million, driving in the city of Ottawa certainly necessitates a good car insurance policy. The police in Ottawa estimate that around 13,900 car accidents occur within the city limits annually. For example, Albert and Slater streets are notorious for traffic congestion and sudden stops due to the constant presence of slow-moving buses definitely can present certain challenges.
Tourists who are not familiar with the traffic laws in Ottawa may also pose a hazard. The prevalent one-way streets in Ottawa (which are not always marked with proper signage) are a frequent cause of accidents as well.
All of these problems are compounded during the brutal Canadian winter, during which time the roads may be covered in slippery ice. Be sure to invest in some decent winter tires. Stopping when you slam your brakes can mean the difference between being all right and writing off your car. Criminals are another source of worry with regards to automobile damage. Ottawa is a generally safe city, but it does have its share of car thieves who will smash a window or windshield to gain access to any valuables in plain sight. Many Ottawa drivers are willing to pay premium insurance rates to obtain good coverage for potential vehicle damages.
On the other hand, there is considerable demand for affordable Auto insurance; not everyone has the money to take advantage of costly auto insurance policies. When shopping for cheap auto insurance, it is important to obtain several auto insurance quotes to compare and obtain the best auto insurance rates.
You should read reviews of various auto insurance companies to find the best value. Look for companies that provide discounts for a clean driving record. Some auto insurance companies will even offer a substantial discount for using a car-monitoring device. This is an electronic unit that monitors vehicle speed and other factors to encourage safe driving. Another factor that may be used to earn a discount is the average distance driven on a daily basis. Drivers with a very short commute may qualify for cheaper auto insurance rates. Lastly, auto insurance companies may provide a safe driving course, which may help you obtain a rate discount upon completion.
An auto insurance broker will be able to estimate auto insurance costs based on driver demographics, driving record, and other variables. We offer impartial rates from various auto insurance companies to allow users to easily compare auto insurance quotes.