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If you need cheap car insurance in Canada you should find a broker or agent that can find low cost alternatives. A broker or agent should be able to search the companies that sell car insurance in Canada and find a company that offers you the lowest rate relative to your driving record, the type, and the amount of coverage that you need.
For purposes of this article, the word "cheap" is being substituted for low cost or inexpensive car insurance. The reason for this is cheap insinuates you are looking for low quality auto insurance that more than likely is sold by an unscrupulous or unethical broker, or insurance company. There are plenty of websites that sell cheap auto insurance but you should be aware you are probably getting exactly what you pay for.

Find a Canadian Agent or Broker

The best way to get the best and lowest car insurance rates in Canada is to contact a broker or agent. This individual knows best the different companies available to provide you with the lowest cost of auto insurance based on your driving record and other factors used to determine rates. Because every situation is different, it is the job of the agent to work through the details and determine which companies can give you the best car insurance rates.

Determine What You Need for Car Insurance Coverage

If instead of working with an agent or broker you want to go it alone, you need to list the features that are important to you for a car insurance policy. Do this before performing any kind of search or making an inquiry about rates. Rank whether having coverage for your car or a vehicle you may be involved in an accident with is more or less important. Rather than having comprehensive coverage that also provides you with a rental vehicle or pays an agreed-value for the damaged vehicle. You will need to understand the pricing options and alternatives regarding decisions you do not make, such as taking a higher deductible to lower premiums.

Finding Low Cost Insurance in Canada

You can ask around different Canadian motorists to see what rates they are paying. Remember of course that the rate you may end up receiving for your car insurance can be higher or lower depending on your driving record. Keep this in mind when shopping for rates as well because car insurance companies tend to only provide information on the best they offer without regard to the particulars of your situation. This can result in being led to believe you will pay one rate for car insurance, when in fact you will be paying a much higher rate.