How To Get Online Car Insurance Quotes In Canada

It’s not very difficult to find car insurance online in Canada, but locating those that offer the most reasonable auto insurance rates can be very demanding. These tips can help you figure out how to obtain the lowest car insurance online quotes, so that you don’t have to spend a fortune on your car insurance.

Provide details
As a rule, insurance companies issue higher car insurance quotes in Canada if you do not provide them with specific information regarding your zip code, marital status, car’s safety features, and annual commuting miles. Always remember to include as much detail as you possibly can to ensure that none of the discounts that you qualify for are overlooked.

Shop around
Conducting a little research before making any agreement with an online car insurance company is also important, because auto insurance rates can vary as much as 300% between companies for the same coverage. Compare prices and online car insurance quotes between several companies and opt for one that incorporates the most affordable auto insurance rates. If you already have a current car insurance company that you’re doing business with, find out if they offer lower rates for new customers. If so, negotiate and try to obtain the same for yourself.

Raise your deductible
Higher deductibles result in lower insurance premiums. Think, for example, if you increase your deductible on online car insurance in Canada from $250 to $500, you’d be saving a few hundred dollars on your annual premium. At the same time, it’s also imperative that you do not neglect additional financial resources that can help cover the deductible in case of an accident.

Cut the miles you drive
Reducing the miles on your car can also be a very decisive factor if you want to get a cheaper online car insurance quote in Canada. This is because most insurance companies provide a low mileage discount for car owners who travel on average 40 miles or less a day. Consider a few effective methods you can employ in order to cut down on the car’s mileage, such as using public transit a couple of days a week, carpooling, taking a flight or a train for vacations, and avoiding long-distance drives.

Switch drivers
The online car insurance quote may also depend on aspects regarding who the main driver of the vehicle is going to be. This is particularly useful for married couples because some companies issue lower car insurance online quotes if, for example, the female is insured on a truck and the male is insured on the minivan. And if you have teenagers in your household, it’s a good idea to insure them on safer, less powerful automobiles such as the family sedan.

Anti-theft devices
Another method to obtain lower online car insurance quotes in Canada is to install anti-theft devices such as a car alarm or a tracking system on your vehicle. Since these devices reduce the chances of your car being stolen, you will get a discount from most insurance companies. Also consider attending a certified defensive-driving class, which can considerably reduce your premium for about three years.

Call A Bike Accident Lawyer When Safety Precautions Fail

A bike accident lawyer is the legal professional who will represent a bicyclist hurt on the road by cars or trucks. While it may be the motor vehicle drivers’ fault, it’s never a good thing for the cyclist. Let’s face it — cars and trucks weigh thousands of pounds and bikes are skinny, metal apparatuses with humans perched on top. Helmets help but big damage can occur to the humans physically, mentally and emotionally, not to mention the smashed up bikes. When these catastrophes happen, medical bills for doctors, emergency room personnel, physical therapists for remedial strengthening, lost income due to missed work and more can add up to big dollars. Having a savvy personal injury attorney on your side will help regain financial footing. But in order to safer on the road in the first place, it’s important to heed some safety rules. Being proactive to the point of overzealousness is never a bad thing when it comes to cycling safety. Here are some tips.

Slow & Single File

When passing another vehicle, experts recommend that bikes take note of how fast they’ll need to go to overcome a vehicle. If it’s fast, such as thirty MPH, then it’s not a good place to pass because it’s too risky. Better to wait for a safer and slower stretch of terrain. Another important tip is to cycle in single file. Sometimes people out on a social biking event may want to ride in pairs but this becomes a danger on the streets for all concerned, so cycling single is better.

Make Cars Notice You

Car and truck drivers may be focusing on their own driving and not really even notice the bikes near the shoulder of the road. In order to be safer, it’s important to find ways to be more noticeable. Some ideas include wearing bright, fluorescent clothing, reflective tape, having catchy slogans on your back like a yellow triangle that says “yield,” making eye contact at intersections, using hand signals. If all else fails, be sure you notice them and not get caught up in the thrill of the ride. Yes, enjoy the ride but still pedal defensively.

No, No, No Cell Phones!

Cell phone chatting and texting are bad enough for car and truck drivers — in fact, they’re illegal to use from behind the wheel in many states. But using these devices while bicycling is a recipe for disaster — so do not do it! Some individuals have worn hands-free devices while pedaling but these are distractions as well that can cause potential accidents. Even at intersections, phone calls should not be made while bicycling. In fact, intersections are one of the most dangerous parts of the route so attention must be focused on the traffic, lights and safety.