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1. What to Look for When
Shopping for Car
Insurance

2. Introduction
For any car owner, looking for an insurance is not only highly
recommended (to protect yourself, but anyone you could
possibly injure too), it is compulsory by the law.
But how to find one that fits your exact needs?
In this presentation, we will give you tips on what to pay
attention to in order to find the perfect match for you.

3. How Much Coverage?
Before you can start shopping around, you need to determine
exactly what type of insurance would best serve you.
Depending on your driving habits (meaning the use you will
make of your vehicle), your driving past (any accident recently?)
as well as the condition of the car (used or brand new?), you will
have to choose between different options:

4. How Much Coverage?
• Bodily Injury Liability: this one is a must and we strongly
advise you to protect yourself for an amount bigger than the
minimum set by the law
• Collision: do you need protection against any damage done
to your car because of you? If so, get this option
• Comprehensive: for any new car, you might want to be
insured against theft & vandalism. That’s what a
comprehensive package might offer you

5. Rates
Once you’ve determined the type of coverage you will need, the
first item you can check when shopping for your insurance is the
rate you will be asked. Some companies offer a better price if
you choose to pay annually rather than every month.
You can also save money, depending on your socio-economical
profile, by looking for companies that might specifically target
your demographics.

6. Payment Policy
Another factor to take into consideration is the payment policy
of the insurance company. When exactly do you have to pay? In
case you miss a payment, what happens? Will you be
suspended or do you risk seeing your insurance cancelled?
Also, is a downpayment required or not?
All of those might impact your final choice.

7. Consumer Complaints
One of the most important criteria to investigate, when you’ve
narrowed down your choice of insurance companies, is whether
any of them had complaints filed against them.
To see if the support you will get will be optimal, ask your local
insurance department. They will be able to tell about any
opened client dispute.

8. Final Decision
All in all, when all is said and done, the two main factors that
should guide your research of a good car insurance are:
•The price
•The reliability of the insurer
You want to pay as low a rate as possible while also being able
to turn to your company of choice in case you have a question or
find yourself in an emergency.

9. Conclusion
Shopping for a good car insurance is no rocket science. Once
you know what factors to pay attention to, you can make an
informed decision that will not only save you money but that will
ultimately ensure that you stay happy and protected at all
times.

10. For more information on how to save time
and money with your car insurance, visit:
http://www.insurancehero.ca/