Getting married? Moving? Adding a teen driver to your policy? Make sure your insurer still offers you the best deal: As your life changes, so will your auto insurance rates which means your current insurer may no longer be the one who offers you the most affordable coverage. At minimum, you should be putting your insurer’s auto insurance premiums to the test every year by shopping around.

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Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing damage to other people's property and some bodily injury to others outside Quebec. If you're sued, it also provides you with a legal defense in certain instances. We recommend Additional Third Party Liability for you. Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing damage to other people's property and some bodily injury to others outside Quebec. If you're sued, it also provides you with a legal defense in certain instances.

Many universities and colleges have partnerships with a major insurance company to provide cheaper car insurance to current students as well as alumni. They will usually offer other discounts if you bundle with home insurance, as well as priority customer service if you are contacting them for information or to make a claim. Call your school’s representative to find out what benefits you can get, and as always make sure you still compare their quotes in case you can save more money elsewhere.

Would consumers consider buying auto insurance from Google? Although it’s a household name in Internet search, this would be its first time in the auto insurance space. According to a study by Accenture insurance research, two-thirds (67 percent) of U.S. consumers would consider purchasing insurance from sources other than insurance companies, and 23 percent would consider buying online from service providers like Google and Amazon.
If you're in an accident or fender bender, you may think that a run-of-the-mill cheap car insurance policy covers you well enough to fix your car. But what if it doesn't? While saving a little money on your monthly bill may work in the short term, after an accident your car may not be covered, leaving you to pay for car repairs out of your own pocket. What initially seemed like a quick way to save will end up costing you more money.

Cutting back car insurance coverage to meet the provincial minimum requirement is only an option for a few drivers who are able and willing to take on the financial costs of repairing or replacing a vehicle after an accident. The standard provincial policy does not include collision or comprehensive insurance provisions. However, drivers financing car purchases may find that lenders have insurance requirements.


A bit of a history lesson: Google introduced its online shopping comparison website Google Compare in the U.K. three years ago. Google Compare is available in the U.S., although currently all you can search for is credit cards. Google is keeping mum on its possible entry into the auto insurance space. However, Google has already been licensed to sell auto insurance in more than 26 U.S. states after working on the project for the past two years, according to Forester Research blogger Ellen Carney.
We know that having a complete vehicle insurance plan in Ontario is important — one that will cover you on our snowy back roads in cottage country to the morning gridlock on the 401. Sometimes in this province you never know what driving conditions you’ll face, which is why you need a comprehensive plan. At PC insurance, we take that very seriously. As a car insurance broker, we shop at up to nine car insurance companies to make sure you get the best rates for your specific driving situation. And we are available 24/7 to help you with any claims.

Accident Benefits: With the exception of Newfoundland and Labrador, Accident Benefits are mandatory across the country. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. Additionally, some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage also offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance. 
The Canadian Automobile Association (CAA) is a non-profit organization in Canada that provides a number of benefits to members, such as roadside assistance and travel services. CAA also provides car insurance, and offers its members additional savings as a benefit. It is a paid membership, and car insurance is an extra service that you would have to sign up for so make sure you still shop around.
This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you'll want enough insurance to cover a judgment against you in a major accident so that your personal assets won't be put at risk.
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If you’re committed to switching car insurance providers in order to save a significant sum on your car insurance, it’s worthwhile to find a car insurance firm in Toronto that provides usage-based insurance. UBI employs a telematics-based device that’s placed in your car to monitor your driving behaviour including braking, acceleration, and frequency of turns. You can save five to 10 percent on your annual car insurance cost just by trying it out and up to 30 percent if the driving data collected by the black box supports the fact that you’re one of the drivers that belongs on the road – not one of the irresponsible ones whose licence isn’t worth the plastic it’s printed on!
It is often possible for those seeking cheap car insurance to bundle their service and get an additional discount on other policies such as home insurance. For example, if you have multiple drivers living in a home you own, rather than having separate car insurance policies and a separate home insurance policy, you can often get everything covered in one policy at a significantly discounted rate. Best of all, you can save time when it comes time to pay bills as you will only have to make a single payment.

Because you indicated you occasionally have non-family members as passengers in your car, we recommend Additional Third Party Liability for you. The more passengers you have in your car, the more damages you can be liable for in the event of an accident – not only are non-family members not covered by most standard insurance, they are also more likely to file law suits.

We all know how devastating the physical and emotional toll of an auto accident can be. Yet the financial impact can also be significant, especially when it comes to your automobile, perhaps one of your most treasured – and vulnerable – assets. Even the safest of drivers today face the risk of an accident, with the rise of factors such as distracted driving.   
It might take a bit of time and work, but in the end you can save yourself a lot of money. Remember that there are so many factors that affect how much you pay, and so much that constantly changes, that you can do this again every so often and again find a better deal if you’re willing to put in the work. Changing companies does not negatively affect your rates.
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