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Should I automatically renew my car insurance policy?

The short answer is “probably not.” Many insurance companies offer cheap rates to attract your business, but when the time comes to renew your policy, your premiums could rise. Despite this, a recent Financial Services Commission of Ontario (FSCO) survey, found that more than half of Ontario drivers simply paid the renewal rate without looking for a better offer. Insurance companies know this, and they take advantage of driver complacency by hiking up renewal rates.

Do your due diligence and see if there is a better offer available. While you may be tempted to auto renew out of convenience, a quick search on RATESDOTCA could save you a lot of cash.

Our quoting tool is free to use, so there is no harm in window shopping. If it turns out that your current provider is offering a fair rate, you can renew with them, confident that you have made a smart decision.

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I want a lower rate now. Why wait until my current insurance policy is expiring?

Technically, you can compare insurance rates and switch providers at any time. However, if you want to cancel an insurance policy mid-term, you typically have to pay a penalty fee. The more time you have left on your policy, the more you may have to pay to break the agreement.

The main benefit to waiting until your current policy term is up for renewal, is that there won’t be a cancellation fee for switching providers.

It might make sense to swap insurance providers mid-term, but only if the new company is offering a significantly lower rate. It ultimately depends on which option will save you the most money.

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