Monday, 23 September 2013

Calgary Auto Insurance Brokers - Things You Should Know In Order To Get The Best Rate

If you are looking for Calgary auto insurance there are a few things to bear in mind before you make a decision. Let's be honest, auto insurance is what is known as a distress purchase - something you don't want, but have to have - so it's tempting to look for the cheapest on the market. However, this may not always be the best solution.

A locally based insurance company will often provide the best cover at a fair rate, since it is familiar with the area and can adjust its rates according to conditions prevailing locally. For instance, a national company may base its premiums for a city dweller on national figures, whereas a local company will know that Calgary drivers aged 25 - 50 are a better risk than other cities and reduce their premiums accordingly.

Rather than spend hours searching online, it is a good idea to use the services of an auto insurance broker. A broker will be very familiar with the marketplace and will often know instinctively which of the many insurance companies will be able to provide the best deal for you. Even if he can't pinpoint one straight away, he will know which companies are likely to have the best product for you and will therefore only have to search through a handful of them.

Of course, the type of car you drive will affect the premium also. If you hit something rather hard with a Porsche or Bentley the cost of the repairs is going to be considerably greater than if you were driving a Nissan. Furthermore, car thieves would probably rather steal your Porsche or Bentley than they would a Nissan as well.

Another way to reduce costs is to consider reducing your deductible. This is the amount that you have to pay before the insurer will step in and cover the balance of any claim. If you opt for, say $500 instead of $150 you should find that this will make quite a difference to the premium. However, you need to be comfortable with the fact that you will be paying the $500 in the event of an accident.

Consider asking the broker if the insurance company will offer a discount. Calgary auto insurance premiums may well be reduced if you also cover your other insurance needs, such as home insurance, with the same insurer. In addition, premiums may be reduced if you have a clean driving record and you install an anti-theft device if the vehicle does not have one. The worst that can happen is that the company says no, so it is always worth asking.

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