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Improve your credit — and get lower insurance rates — by paying your bills on time and reducing your debt. Track your progress by checking your credit score regularly. Comprehensive coverage pays to repair vehicle damage from weather, animal crashes, floods, fire and vandalism. It also covers car theft.

If your car is older and has a low market value, it may not make sense to shell out for these types of coverage. There is no deductible on liability insurance, which pays for the damage you cause others in an accident.

Buying your first car in Canada

By signing up for these programs, you let your insurer track your driving in exchange for possible discounts based on how much you drive, when you drive and how well you drive. In states where required, minimum additional coverages were added. We used a Toyota Camry in all cases. Ask your broker about packages that may be available.

Cheap First Time Drivers Car Insurance Quotes in Ontario

These often cost less than the features would if purchased individually. Insurance companies in Ontario are starting to offer usage-based insurance programs. Using a smart phone or a diagnostic device in your car, your driving habits are stored, things like acceleration, braking, time of day and distance driven. Participating in a telematics program can save 5 or 10 percent, depending on the insurer. Finally, ask for discounts. Insurance companies may not shout these out from the rooftops as loudly as they can. Ask your agent or broker about savings to which you may be entitled.

Affordable Coverage for Your Personal Vehicles

If the insurance companies you've identified as possibilities sell directly to customers, you can plug information into a form on their Web sites, get a quote and have someone contact you. If the companies sell through an agent network, ask friends or family who they use, or go back to your state insurance commissioner's Web site to look up agents in your area. Give anyone you contact specific details about the coverage you want and let them know you're comparison shopping.

Don't Do It Alone, BrokerLink Can Help

Can you beat it? Grab those discounts. Insurers offer a multitude of discounts, including lower rates for drivers with short commutes, retirees, students with good grades or vehicles with safety devices such as car alarms or motorized seatbelts. If you're over 55, you could lower your premium by 10 percent by passing a defensive driving course, according to the Insurance Information Institute.

Where to Find the Best Car Insurance Quotes Online

When you're talking to agents, don't forget to inquire about the group discounts that some insurers offer to members of professional organizations or other groups. Companies including State Farm, Auto Club of Southern California and Progressive have begun offering pay-as-you drive discounts, with premiums tied to your annual mileage, with a cap at approximately 19, miles. In many of these programs, you report your mileage online or to your agent when your policy's up for renewal.

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Consider opting out of some — but not all — coverage. If you drive an older car and own it outright, consider dropping comprehensive and collision coverage. If the vehicle is really old, you could be paying more in insurance than what it's worth. But hold onto that liability insurance. It's illegal in most states to drive without it, and insurers in some states charge significantly higher premiums if you let coverage lapse, even if you haven't been driving.

Investigate state-run low-cost insurance programs. If you live in California, Hawaii or New Jersey , and if your household income is close to or less than the poverty level, you may qualify for state-run low-cost or no-cost insurance programs. He expects more people to sign up as a new state law takes effect that lets agents sell the program online for the first time. Lawmakers in Nevada and Michigan recently proposed or approved pilots for similar programs. Assess insurance needs and premium costs annually.

Life isn't static, and your auto insurance premiums shouldn't be either.

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  4. Review your policy once a year, especially if you've moved or switched to a job that has you driving more or less. A review is also a good time to check on whether you're eligible for additional discounts. To find a dealership that knows how to treat shoppers right, please visit Edmunds. Get fast, free quotes in minutes! Help us keep it that way by turning off your ad blocker for our site. We can understand why it may frustrate you to receive this message. Please hear us out on this one.