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Those who like to shop around for insurance will tell you how they found the best quote or how they’re saving hundreds of dollars on their premiums with smart strategies. However, when you’re seeking Free Car Insurance Quotes, there are some things to remember in order to avoid paying a lot more in case of an accident.

1. Go Beyond What You See After the Dollar Sign
It is a big motivator for everyone to free up some dollars from your household budget, especially if your auto insurance is costing a lot. However, it is important to remember that cheaper might not always be better. Sometimes, present savings can lead you to major coverage gaps in the future. Always check the coverage, inclusions and exclusions in the policy and make sure you select a company that will ensure faster and secure claims. You might save a few hundred dollars now but it might cost you several thousands of dollars in the long run if you don’t choose insurance wisely.

2. Don’t Just Get the Minimum Liability Coverage as Required by the Province
The minimum liability coverage in Alberta is $200,000; however, it might not be enough to cover all the damages in case of an accident. The amount beyond the limit of your policy is entirely your responsibility. If you can’t afford the additional expenses, you might have to sell off something of value or you’ll end up filing for bankruptcy. In case you own an older model that’s not worth a lot of money, you can skip on comprehensive or collision coverage but choose the best possible liability coverage when getting free quotes.

3. Buying Insurance Online
While it is a great idea to get free insurance quotes online and do some research on the web, it is always better to speak to someone before you buy your policy. You might not completely understand some terms online and if you make a purchase, you’ll have a lot of trouble later on. For instance, do you know the difference between replacement cost and actual cash value? Or what you might be missing out on by refusing mechanical breakdown coverage? When it’s about protecting your car and your finances, it is best to trust a broker, get all detailed information, ask relevant questions and only then buy your policy.

4. Disclosing the Right Information
Make sure you disclose any previous claims when asking for an insurance quote as if you forget to mention it and it is discovered later on, it can bump your premium rates. Also, you need to disclose all the drivers on your vehicle. If there are any unreported drivers, you’ll end up with a higher rate or your insurance might get dropped altogether. If you don’t give the right information, your free insurance quote will not stay valid and you’ll end up paying a lot more in the long run.

While a free insurance quote is one of the best ways to get affordable auto insurance, make sure to be careful about the policy, get everything in writing and ask for the available discounts to get he perfect deal.

to trust a broker, get all detailed information, ask relevant questions and only then buy your policy.

1. Take Control of Your Policy
Get in the driver’s seat and take control if you want to find the best auto insurance policy. You should do a rate check every 2-3 years and ensure you ask for new rates if any personal circumstances change, like getting married, adding a teenage driver or moving to a new address. When working with an auto insurance provider look for service, reputation and reviews beyond price to get the right policy. Next, review your coverage to save more. Liability coverage should be adequate to help you cover the costs in case of a serious accident. When seeking free quotes, don’t forget to compare the coverage and then decide on the policy.

2. Control Your Cost Factors
If you’ve recently changed your job and travel fewer Kilometres, report it to your insurer. The average Kilometres in Canada is 20,000kms If you move even 6 Kilometres closer to your home, you reduce your driving distance by 3,000 Kilometres and can save up to $50 on your premium. If you’re retired or have lost your job, your reduced driving can help you save 5-10 percent on your premiums. Choosing a new car wisely can also effectively help in saving a few hundred dollars. Make sure to get insurance quotes of the few models you’ve shortlisted to get a fair idea of the insurance costs that await you.

3. Consider Your Safety Options
Insurance costs are up by nearly 8 percent, or four times the rate of inflation in the last 12 months. If your income isn’t growing as rapidly, your premiums could take a big chunk of your household budgets. By adding a few safety options to your car, you can reduce the premium quotes. For instance, getting winter tires and alarm systems can lower your rates. Also, taking a defensive driving course, getting fewer infractions and fines, and having good car driving experience can help you save additionally on your free car insurance quotes.

4. Manage Your Deductibles
In Alberta, hiking your deductible from $500 to $1000 can lower your premium by $140 annually on an average. If your driving record is clean, you haven’t been in an at-fault accident and have the capability to pay the extra amount in case of a crash, a higher deductible will be a good bet to save on your premiums.

Getting free car insurance quotes is the best way to shop around, understand the different policy options and get the right cover for your auto insurance needs.