Insurance Step works with the top insurance companies across the nation. No matter what type of car you drive, Insurance Step will help you save hundreds of dollars per year.
We have two options to save you money. Our form takes about a minute to fill out and connects you directly with insurance companies and insurance agents. They will call or email you and offer you discounts that are applicable to your situation. We also offer a self-service model, where you can get direct quotes on insurance company websites and usually buy your policy online. Where possible, we only show you relevant results based on your state, the type of insurance you are looking for, and any other parameters you have told us, such as whether or not you own a home. Our goal is to save you time by showing you only the most relevant offers.
Auto Insurance Shopping Tips: The Right Policy for the Lowest Rate
While we always recommend that you speak to a licensed insurance agent, here are some simple tips that can help you save money and get the right policy: Shop around. This is always the most important tip. Every insurance company has its own pricing algorithms that consider a wide variety of factors such as age, credit, and driving record. No company is the cheapest or most expensive for all drivers. The only way you can know for sure what a company’s rate is for your situation is to get a quote from that company or from one of its appointed agents.
Decide what coverage you really need. For example, will you really need a rental car if you get into an accident or does your local body shop provide one free? Do you really want comprehensive coverage for your older vehicle? Do you have significant assets to protect that require high liability limits?
Think carefully about your deductibles. If you drive cautiously and are not likely to have an accident, you might choose to pay a higher deductible and save money on your monthly premiums. On the other hand, if you must have your car for work and you can’t save up enough money to pay off a high deductible, you may be better off to pay higher premiums for a lower deductible. Think through the scenarios to make sure the insurance you are buying will work for your situation.
Compare car insurance quotes online
to get the lowest rates
Looking for the best rates on car insurance? You’ve come to the right place. At LowestRates.ca, we’ll help you compare the most competitive offers from Canada’s leading auto insurance companies. You’ll get the policy that suits you best while saving time and money.
Just fill out our insurance form and click ‘Compare’ to find your quotes. Auto insurance rates for the same driver with the same car can vary wildly between insurance companies, which is why comparing rates is the only way to get the best deal.
It’s time to get your cheap on. See the cheapest insurance rates available for a driver with your profile, record, location, and vehicle.
Not quite the blink of an eye, but close. We ask only six questions to get the ball rolling, and then you’ll get your car insurance quotes in under 3 minutes.
Our quoting service is absolutely, 100% free for our users, so comparing quotes won’t cost you a dime.
No rocket science here. Just fill in a few quick details about you and your vehicle and leave the rest to us.
At LowestRates.ca, top insurers compete for your business on an even playing field. They provide their best rates, and we compare them for you.
We cast a wide net. Our quoter brings you 20+ personalized car insurance quotes from all the top insurers in the area where you live.
We only ask for the details we need to find you the best quotes in your area. Your information will never be given to a third party.
What’s better than getting the best rates on car insurance in under 3 minutes, for free? Getting to save your time and money too.
How do I find the cheapest auto insurance rates?
Online quote comparison sites like LowestRates.ca make it simple – just fill out our auto insurance form with your driver details (postal code, driving experience, vehicle make and model, etc.), and then we’ll find and rank the cheapest auto insurance rates available to you.
Once you’ve selected your quote, you’ll be able to speak directly with an insurance broker who’ll help you lock in your rate with the insurance company and get set up with your new policy. Shopping for car insurance has never been quicker or easier.
What can I do to get cheap car insurance?
It’s easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
We’ll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Buy the right coverage
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
It’s true — your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Pay on time
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Be safe, not sorry
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Stick with one insurer
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
Take a course
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
The math is clear: more experience on the road equals lower car insurance premiums.
Look at location
Where you drive affects your premiums. Some areas are associated with higher car accident and theft rates.
Choose the right car
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
Track your driving
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
Types of auto insurance coverage
Getting the best auto insurance policy isn’t just about the lowest price. It’s also about finding the right coverage, so you’ll be financially protected if you get into an accident.
Here are the categories of coverage available in Canada:
This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you’ll want enough insurance to cover a judgment against you in a major accident so that your personal assets won’t be put at risk.
Emergency road service
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you’re out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
This type of auto insurance covers damages resulting from incidents that aren’t related to car accidents or collisions. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.
Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.
Uninsured motorist coverage
Covers costs related to your injury or death after an accident caused by another driver who’s either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.
Direct compensation property damage
Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren’t entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.
Provides protection for you against all types of perils except those specifically excluded from your policy.
Accidents benefits coverage
Provides you with medical care and income replacement benefits if you’re injured in a car accident.
Deal with your own insurer regardless of who’s at fault in an accident. With no-fault insurance, you don’t have to pursue the other driver’s insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.
This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occurring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.
What if I’m an Uber driver
or I drive for another ride-sharing service?
As of the beginning of 2016, there’s coverage for that! Ride-sharing insurance plans have just arrived in Canada, and LowestRates.ca is one of the few places where you can purchase them. Ride-sharing insurance is designed specifically for drivers who use their personal vehicles to transport paying passengers.
Here’s why you need to buy ride-sharing coverage:
Your personal auto insurance policy doesn’t cover you if you ride-share (and could be cancelled at any time).
A commercial auto insurance policy (used by taxi services) is way too expensive for the average ride-share driver.
Ride-sharing insurance gives you and your passengers the coverage you need — at a price you can afford (many ride-sharing plans are less than $100 per month).
Ride-share drivers can call 1-844-277-0404 to learn more and get a quote.