Auto Insurance Checklist

Following are some key questions to ask your insurance provider before you purchase your car insurance.

• What types of coverage does my province require?
• What optional coverages exist, and which ones should I consider purchasing?
• What are my options for deductibles on collision and comprehensive coverage, and how much does changing the deductible affect my premium?
• Should I purchase coverage for a rental car if my car is in the shop because of a claim?
• Is there also coverage available to protect such a rental car, or a borrowed car, from damage to it that might be my responsibility?
• Am I eligible for any special discounts, such as a driver's training discount, students' discount, alumni discount, or winter tire discount?
• Is there another insurance company offering a lower rate than my current company?
• Is my driving record affecting my rate?
• As my insurance professional, what coverages and limits would you recommend that I carry?

Whatever types of coverage you're looking for, ShopInsuranceCanada.ca is a great place to start researching the nuances of car insurance in Ontario. Be sure to use their instant quoting tool to compare rates from 25 different insurance companies in just a few minutes.