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Hi Everybody,
Today here I am going to talk about the Auto insurance. I will mainly target the insurance in the Canada. So, my major aim will be how auto insurance work in Canada, how companies decide the price of the car insurances, what are some ways to get low insurance, what are some ways to choose a good insurance company. I will share some experiences also form some customers regarding the claims of insurance. For these findings I will post some videos, images and few links. I am hoping all this stuff will help you out regarding getting auto insurances.

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In this video the speaker explained the policies regarding car insurance. This video is basically for immigrants coming to Canada, the guy in the video talked some documents which the immigrants can bring from their home countries and can get discounts. The guy in the video also talked about different types of car insurances in Canada.
I also want to share that there are two types of car insurance third party insurance and first party insurance. These insurances are divided on the basis of the coverage plans given to customers. For example- full coverage of car accident or 60 % coverage. I chose this video because it gives good knowledge to immigrants which is very necessary and useful.

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Car Insurance in Canada | This Will Save You $$$

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This video explains about what kind insurance we need to get in the Ontario. I want to discuss that the rules regarding the car insurance are different in every province of Canada. For example- in Ontario there are many insurance companies but in British Columbia there is only one car insurance company.

I chose this video because it represents different kinds and different coverage of insurances. The guy in the video talked about the different liabilities and he explained some other things which are necessary in Ontario to get the car insurance. So, this video is great source of knowledge.

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Ontario Car Insurance – Here’s what you need to know

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This video explained the major motive of the insurance like why we need an insurance. The lady in the video explained well regarding it she said insurance is necessary to be safer of paying the rent and the amount of Collison. In this video she also explained regarding different kinds of collisions and insurance coverage.

I chose this video because I like the way how she explained basic motive of the insurance. She also explained some conditions for example- she said if there is your mistake in collision what will happen or if there is someone else’s mistake what will happen.

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Basic Automotive Insurance Coverage Explained

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This video explained how to save money from the insurance. She said if you are increasing your deductible it will increase your car accident bill too or if decrease the coverage minimum to $25000 it will not pay you enough money for the new car. In this way with the help of some conditions she also explained some money saving techniques.

I chose this video because she gives some ways and ideas to save money from the car insurance. I like her way of explaining by some conditions to her goal. So, these things show this video is very good source of learning about saving money.

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How To Save Tons of Money on Your Car Insurance!

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This website is the official website of belairdirect insurance company, so that is why it shows information related to car insurance quote. Basically, it is very good company I have insurance of my car with this company. They give many different options such as what will the deductible, what type of coverage the customer need and what are requirements.

I chose this website because they give large amount of knowledge regarding the car insurance. The other major reason of choosing this website is car insurance quote. Customer can get the amount their car insurance by putting car information the website.

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Car insurance from belairdirect. Simple and free. Get an online auto insurance.

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Car insurance from belairdirect. Simple and free. Get an online auto insurance quote for Ontario.

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This website gives car insurances, quotes and few other options on the top. It is kind same website as others but on the front page it says this website is private property not owned by any government agency so that is why this is not a just car insurance website but also provide some basic requirements of getting insurance in Canada.

I chose this website because instead of providing car insurance information this website shows some columns such as- id and license, violent and safety and buying-selling which shows this website gives knowledge regarding persons health and vehicle safety too.

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Car Insurance in Canada

If you're thinking of taking a trip up to Canada and you know you'll be driving, international car insurance is probably on your mind.

It's important to know the basics when it comes to car insurance for foreign drivers in Canada. Whether you're driving your own car or renting a vehicle in Canada, there are several factors to consider.

Determining Your Coverage

Car insurance in Canada is mandatory, regardless of whether you're driving your personal vehicle or renting one. So if you're planning on driving in and around the country, make sure you obtain car insurance for driving in Canada, or expect to pay a large fine.

In most cases, you are covered by your existing U.S. car insurance coverage to drive in Canada.

However, it's important to take a look at your individual policy to ensure your specific auto insurance company covers your car in Canada. Always confirm your coverage before you leave on your trip.

Once you've confirmed coverage, inform your provider of your travel plans. They'll mail you proof of insurance for your trip. (See "Required Documents" below).

Renting a Car in Canada

If you choose to rent a car in Canada, your policy will likely cover you; however, your coverage may not be as robust. For example, you may be covered only for:

For example, if you currently hold comprehensive and collision coverage, these coverages may not carry over to your rental car. Call your insurance company to determine the extent of your rental coverage while traveling in CA.

You also have the option to secure basic coverage on the vehicle from the rental company.

Credit Card Coverage

You may be able to obtain insurance from the credit card company you use to pay for your Canadian car rental. Call the number on the back of your credit card before traveling to see if they offer coverage, and what their coverage entails.

Required Documents

Proof of U.S. Citizenship

While abroad, you'll need to have proof of citizenship and ID. This includes:

Children younger than 16 years old only need to show proof of citizenship, such as a birth certificate.

Proof of Insurance

You may need a current insurance ID card when driving in Canada. In most cases, you'll need to obtain a Canadian Insurance Card before leaving. Call your insurance company in advance of your trip to:

Let them know of your intent to travel to and drive within Canada.

Confirm your coverage.

Request a Canadian Insurance Card.

You'll generally need to leave about 5-7 business days for the company to mail the card, so it's best to call a couple weeks before you leave. The Canadian government will not accept e-mailed or faxed cards.

Keep your current insurance ID card with you at all times while driving in CA.

Valid License

You must have your current state driver's license with you to prove your eligibility to drive.

Make sure to check the renewal date before you leave so you don't end up with an expired license while traveling.

If you do need to renew your license, check out our Renewing Your License section to learn how.

Vehicle Registration

When driving your vehicle across the border into Canada, make sure to have your vehicle registration with you.

This will help you prove you aren't driving a stolen vehicle into the country.

In Case of an Accident

Whether it's through your insurance company or through a major credit card, your car insurance will cover you in case of an accident.

Simply call your insurance company, go to the claims department on their website, or contact your credit card company and report the accident as you normally would.

NOTE: If you obtain coverage on a rental car through the rental company, make sure you understand the coverage in case of an accident.

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Car Insurance in Canada If you're thinking of taking a trip up to Canada and you know you'll be driving, international car insurance is probably on your mind. It's important to know the basics when it comes to car insurance for foreign drivers in Canada.

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This image shows the altitude of the Canada according to the insurance satisfaction of customers. There is one bar at the bottom of the map which shows which provinces are less happy which are happier.
I chose this website because it shows insurances according to different provinces which is great source.

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This website shows the comparison of the different insurance companies in Canada. it also shows what are the factors which are necessary to look when we are looking for the insurance companies. There is separate option for the comparison which is easy to use, by putting our postal code we can get comparison.

I chose this website because this gives customer best insurance company of the area. This website also showed some factors to choose company for example – look for the company which is easily giving you quote and other necessary information and always go for the company which have good reputation in the area.

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The best Canadian auto insurance companies will depend on several factors.

In Canada, there are individual differences in drivers, rates, providers and insurance laws from province to province.

The most important rule you can follow in purchasing car insurance in Canada is to begin by comparing the rates and reviews of several car insurance companies.

Are you looking to compare Canadian car insurance rates? Click here and enter your ZIP code for a FREE list of car insurance quotes.

Is car insurance required in Canada?

Just like in the United States, you are required to purchase car insurance if you are planning to drive in the country of Canada.

Insurance regulations are governed by a document known as the " Code of Consumer Rights and Responsibilities."

Although car insurance is required in the country, the exact details of the type and how much insurance you need varies depending on which province you are in.

What should you look at when comparing Canadian auto insurance companies?

Research several car insurance providers, and get a list of quotes online by providing some basic information about yourself.

These quotes will help you to get an idea of the cost you will be paying and help you to eliminate companies offering a minimal policy for a high premium.

Once you have narrowed your list down, do some additional research on the companies you are considering.

C onsumer Reports rates insurance companies based on several factors including premium costs, deductibles, claims paid out, and cancelled policies.
Additionally, look into online forums where people discuss their experiences, both good and bad, with various companies.
Finally, try to talk to some local repair shop managers in your area. They often know which companies are easy to deal with and which will fight every claim that comes their way.

Once you have narrowed your list down further, continue to research online or opt to speak with a company agent directly.

How do I search for car insurance in Canada?

There are a number of insurance companies located in the provinces of Canada.

If there is one in your local area, you can call them or stop in at the office to speak with a representative face-to-face.

You can also do a general search online to find insurance companies near you.

You can work with an insurance company directly or you can use an insurance broker. A broker will search a number of companies and policies to find the best policy for you at the best price.

One of the best ways to find an insurance company in Canada is to ask friends or coworkers as to who they use for insurance and if they are satisfied.

If they are happy with their coverage, you can get a referral from them and you can feel comfortable that you are working with a trusted agent and company.

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How can I save money with Canadian auto insurance?

Canadian car insurance companies offer ways to help save you money.

One way is through different discounts. When you are searching for car insurance, ask the representatives about any discounts that are offered by the companies.

If you are eligible for them, you may be able save a good amount on your insurance premiums.

Another way to spend less on your insurance rates is by choosing a higher deductible or a lower limit.

Although these may increase your out-of-pocket expenses in the case of an accident, it will decrease your premium.

Speak to your representative to see what choices you can make to help lower the cost of your insurance, if that is a goal of yours.

What personal factors must you consider?

Insurance companies evaluate you using several factors to determine the level of risk for them in agreeing to take you on as a client.

You should try to find out what factors an insurance company will be using and then determine which ones will be more forgiving than others.

For example, some companies have accident forgiveness policies while others raise your rate for every minor infraction.

Here are some common factors that insurance companies will use when rating you as a driver:

Driving record

Car make, model, and age

Driver's age and gender

Driver's occupation

Location where you live and work

Average monthly or annual mileage

Credit rating

Parking location

What provincial laws impact Canadian auto insurance companies?

While some laws remain the same nationwide, many insurance laws differ from province to province and may impact the insurance provider you decide is best for you.

Auto insurance is required in all provinces, and all provinces also maintain that you must have liability insurance at the very least.

In British Columbia, Saskatchewan, and Manitoba there are government-run insurance companies which provide you with a basic level of coverage.

In Quebec, bodily injury claims are covered by the government plan; all other auto claims that occur while you are traveling outside Quebec must be covered by private insurance.

In Ontario and Quebec, insurance must be able to compensate you for the loss of the use of your automobile and your share of the damage when another driver is at fault in an accident.

Accident Benefits Coverage, which compensates you and your passengers for injuries regardless of who is at fault is mandatory everywhere except Newfoundland and Labrador.

Lawsuit laws are also different from province to province which means the amount of liability coverage you need to carry is different.

Quebec, Saskatchewan, and Manitoba have laws that state you cannot sue for pain and suffering.

In Ontario, pain and suffering can only be included in a lawsuit where you can prove that serious bodily injury or disfigurement has occurred.

If you are looking for additional information on Canadian auto insurance laws, you can contact the Insurance Bureau of Canada or Transport Canada.

Get started now comparing Canadian car insurance quotes and policies by simply entering your ZIP code here!

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What are the best car insurance companies in Canada?

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The best Canadian auto insurance companies will depend on several factors. In Canada, there are individual differences in drivers, rates, providers and insurance laws from province to province. The most important rule you can follow in purchasing car insurance in Canada is to begin by comparing the rates and reviews of several car insurance companies.

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This website is mainly made for quote that is why its name is “Everquote”. This website shows different sections in which they ask for do customer need insurance for the first time or second time. The thing which I like most is multiple vehicles. They give option in the website to select multiple vehicle by which a customer can get quote for multiple vehicles.

The option which is related to the multiple vehicles I like the most because this the first website I ever seen which have quote available for multiple vehicles. The other thing which I like this website have option for agents too by which agents can get more information regarding insurances.

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Auto Insurance Quotes Online, Free & Fast | EverQuote

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EverQuote is a free service that helps consumers compare car insurance quotes. Find a low rate today!

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This image shows the average prices of insurances per year according to Canadian provinces.

This is good source because people can know which province is at the top and which is at the bottom.

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Answers to the discussion questions given in this documents.