The Co-Operators
Compare Car Quotes
How to compare car insurance quotes
Before you buy auto insurance, here are some things you can do to save more.
Shop around
When comparing prices, make sure you know exactly what’s included in your policy. Carefully check the coverage, deductibles and liability limits. While it’s always nice to save money, a lower-priced policy might cost you more in the long run if you discover later that it doesn’t have enough coverage for you and your family. Look for the insurance coverage that best matches your needs, not necessarily the one that costs less.
Check car insurance rankings
Before you buy or lease your next car, look at car insurance ranking lists to find popular vehicles with the best insurance value. Cars with lower-than-average insurance rankings are generally less expensive to insure.
Get a multi-product discount
Some car insurance companies offer a discount when you buy two or more products from them, such as home and car insurance, including The Co-operators.
Raise your deductible
The deductible is the amount you choose to pay for damages to your vehicle before your insurance kicks in. For example, if your deductible is $500 and you have $2,000 worth of damage, you’ll pay the first $500 of the car repair cost and your insurance company pays the rest.
Raising your deductible just a few hundred dollars could save you a lot of money. It typically costs less to pay a little more for a minor repair than to pay a higher premium over time.
Get less coverage on your older car
If you have an older car, you may not need Collision and Comprehensive coverage. Compare the cost of the insurance with what the car is worth. Auto dealers and banks can tell you the worth of a car, or look it up online on autoTRADER.
Take advantage of group insurance
Include group insurance plans as you compare car insurance quotes to find more discounts. Some employers, professional, business or alumni groups and other associations offer group plans for discounts on insurance rates.
Be a safe driver
Most car insurance companies offer better rates to clients who haven’t had any accidents or traffic violations for a number of years.
Drive a hybrid car
Do you drive a hybrid car? You’re eligible for an automatic five percent discount on your Co-operators car insurance premiums.
Other ways to save
Depending on where you live in Canada, you could get discounts if you:
- Install an anti-theft device in your car
- Insure more than one vehicle with the same company
- Have more vehicles and fewer drivers
- Renew your insurance with the same company
- Switch to four winter tires each year
- Enrol in the en-route Auto Program™
Source: https://www.cooperators.ca/en/insurance/auto/compare-auto-insurance.aspx
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