Canadian Car Insurance

Like snow days and maple syrup, car insurance is an essential part of the Canadian experience. Not all countries necessitate insurance coverage by law as Canada does; the idea of a pay-as-you-go gasoline tax has even been considered as a replacement for conventional car insurance in some places. But, regardless of its necessity, investing in the service is never a poor decision. Insurance can save motorists from the economic burden of the road’s ultimate inevitability: accidents. They happen to everyone, no matter their experience or skill. Driving, like any other part of human life, is naturally subject to human error.

Even the most practiced driver can be distracted in our modern driving environment. With a reliable insurer, financial security is one less thing to worry about. Between the radio, the billboards and the reckless children thrashing around in the backseat, a few minutes on the road can supply more ways to divert someone’s attention than a few hours in front of the television. All it takes is one misjudged stop on a slippery day or one neglected shoulder check to cause thousand of dollars in damage to your property or the property of others. When the price of an accident outweighs the price of the vehicle that caused it, car insurance can save a driver from financial ruin. The security of a good policy protects drivers in ways an air bag never could.

The protection that insurance offers is so valuable that it has been made mandatory for every Canadian who hopes to get behind the wheel. However some provinces give motorists a choice of whom their car insurance is provided by. Coverage is still mandatory but the policies are malleable. Motorists’ ability to control their policies and coverage does not stop with the company either. Car insurance rates are affected by a multitude of factors. While some of these things are outside of the motorists’ power, like age and gender, there are still many choices they can make to lower their rates. Choosing a safe car, driving shorter distances and getting fewer tickets are all things that drivers can do to keep their car insurance rates as low as possible.

Some drivers, especially new ones, are wary of individualized rates-paying different amounts for being different people. Insurance companies though are not swindlers or profiteers. They are merely trying to make car insurance rates as fair as possible. A car that leaves the garage twice a week is less likely to have an accident than one that leaves twice a day. A station wagon is cheaper to repair than an imported sports car. Every person has different driving habits so it only makes sense for them to have different car insurance policies. Acquiring a car insurance policy is more than making a deal; it is the start of a relationship that can help a driver out in the worst of times.

In some provinces in Canada, where motorists have so many options regarding their car insurance, any extra knowledge could end up saving the insured motorist thousands of dollars. It pays to be informed, literally. The right policy can keep you safe when something else did not, no matter where you are in Canada.