Whether you’ve just bought a new car, are looking to change insurance carriers or are simply shopping around, getting an online car insurance quote from Liberty Mutual is secure, quick and easy.
- Your current policy (if you have one) – this is helpful as a reference so you know what coverages you currently have
- Driving record information from the last five years (including accidents, violations and claims) for all drivers you’d like included on your policy
- Driver’s license number(s)
- Your car’s make, model and year, as well as its Vehicle Identification Number (VIN)
- The odometer reading for each car you’d like an insurance quote for
- The location where your vehicles are typically parked
- Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle’s safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it’s used for (business or personal).
- Your Address: Where you live and park your vehicle will affect your auto insurance quote.
- Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.
If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.
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.
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.
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.
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.
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.
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 vehicleif the uninsured driver is also identified.
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.
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.
Basic Liability Car Insurance Coverage
Wherever you live, you’ll need some form of this car insurance to legally drive your car. It covers the expenses for others if you are at fault in an accident. Basic liability covers property damage (like fixing another vehicle if you dent it) and medical or other expenses incurred by the other party.
Comprehensive and Collision Car Insurance Coverage
If your car is not insured and involved in an accident, you might have to pay to rent a car or cover repairs yourself. Comprehensive and Collision coverage as part of your car insurance policy is a much better value because, even if you’re not involved in an accident, you can still be protected against theft, fire, vandalism and windshield damage. Want to reduce your monthly auto insurance payment? Choose a higher deductible.
Uninsured or Underinsured Motorist Car Insurance Coverage
You obviously feel responsible for having auto insurance; unfortunately, not everyone does. That’s why this coverage is required in many states. Even if it’s not required, consider protecting yourself and your family with this car insurance policy so you can make sure you get back on the road-and back to work-quickly.
The Internet has made getting auto insurance quotes a lot easier. Rate-comparison websites let you see quotes from dozens of companies within minutes, or, with a bit more time, you can get rates directly from insurer websites.
But just because it’s easy to get an online auto insurance quote doesn’t mean you should skip an appointment with an agent. Online quotes have their place, but some shoppers may be better off working face to face with an insurance agent.
Have few assets? Online quoting is OK
The less complicated your insurance needs, the more likely it is that online quoting will be sufficient.
Who has less complicated insurance needs? “The single, young … or mortgageless,” says Chris Michaut of Jeff Williamson Insurance in Lebanon, Ohio.
If the most expensive thing you own is your vehicle, getting quotes and buying online will get you a reasonable policy, Michaut adds.
Buying online also is well suited to very price-sensitive insurance shoppers. “We have certain people call in … that are literally only looking for state minimum coverage. They are perfect candidates for online shopping,” says Scott Grimm of PPI West Insurance Services in Newport Beach, California.
Own a home? Talk to an agent
However, as you accumulate more assets, you may want to buy through an agent, says Scott Johnson of Marindependent Insurance Services in Mill Valley, California.
Buying your first home is a good time to consider using an insurance agent, and as you build up assets, an agent’s services become more crucial. “Ever try running a quote online with six autos, two of which are used for business, one primary home, one vacation home and a $4 million umbrella [policy]?” Johnson asks.
A quote that combines homeowners insurance, car insurance and umbrella coverage can be tough to manage correctly without an agent’s help. “As your net worth grows, the reasons multiply for you to be sued,” Johnson says.
“Once you have equity, savings, stocks, bonds and money in checking, an accident can wipe it all out! That’s when an agent can be of the most use to assess your need,” Michaut says.
Don’t have many assets? There are still reasons you might want to buy through an agent. Maybe you’re a little fuzzy on insurance terms, or maybe your situation is complex. If you have multiple tickets or claims, or use your vehicle for work, an agent can help you choose the best car insurance, Johnson says.
Shop smart when buying insurance online
Rate-comparison sites and and direct-to-consumer insurers, like Geico, can still be useful, even for homeowners. “It’s a great idea for everyone to shop around to make sure they’re getting a good deal,” Grimm says.
But it’s important to keep that information in perspective. You can buy the right coverage online, Michaut says, but the key is knowing how much you need — and an agent can help with that.
If you decide to get car insurance quotes online, know that saving on car insurance isn’t always the most important goal. Buying sufficient coverage — which often means buying more than the state minimums — is important. Michaut recommends liability limits of at least “50/100/50” — that is, a policy that covers $50,000 worth of bodily injury per person in one accident, a total of $100,000 worth of bodily injury per accident, and $50,000 worth of property damage liability.
And know that the cheapest quote may be misleading. “People should have their existing coverages in front of them to compare every line item,” Grimm says. If your new quote is based on a much higher deductible or lower coverage amounts, you might be fooled into thinking it’s a better deal.
Reader Question: I’m interested in getting auto insurance quotes online. What information do I need to have ready to get quotes online and are online quotes accurate?
Obtaining auto insurance quotes online is a fairly easy process. Whether you’re buying car insurance for the first time, or looking for better prices to reduce premiums, getting quotes online is the best place to start. It will help you understand your policy, how it works, compare companies and coverage options, and best of all, many prices at one time.
Back in the “old days,” you had to call every insurance company one by one, providing the same information repeatedly, but now you can get the same quotes, know you’re including the coverage you want, and see them all at once. They can be just as accurate, if not more accurate, than getting quotes over the phone, because you know exactly what information you need to provide, know what you have provided, and hand selected your policy options yourself. If there’s something you can’t remember, that’s okay. Online quoting systems pull the same reports insurance agents do, and it will auto-fill any needed information into your quote, making it just as accurate.
If you currently have insurance, having your current policy in hand for quotes will make things super easy. Your present policy should have almost all the information you need to get insurance quotes. If you don’t have a copy of your policy, here’s the info you’ll need for accurate insurance quotes:
1. Vehicle information — If you only have the year, make, and model of your car, you can still get a quote. However, if you also have the VIN (vehicle identification number), it will make your quote more accurate. If you’re trying to decide on buying one of two cars, include the info on one for a quote, then edit the quote to switch vehicles and see the difference.
2. Personal information — You’ll need to provide your date of birth, address (if you have separate mailing addresses and living address, you’ll need to specify this), driver’s license number, marital status, and student status. If you feel uneasy about putting in this information online, remember this: the safe rule is to never give out information unless YOU initiated the contact. Therefore, if you’re the one who sought the insurance quotes and feel comfortable with the website you’re using, that should help ease any fear. Although you’re not required to give out this information for quotes, not providing certain types of information or changing info can cause very large differences in quotes.
Check with the Better Business Bureau for any complaints against the company or website, and you could even search to see if there’s any negative information online anywhere about the quoting system you’re using. It’s important to note too that the info online quoting systems ask you for is the same information an insurance agent would ask for; it’s simply info that tells insurers what they needs to know to calculate premiums.
Additionally, some worry their credit will be harmed when their credit report is pulled for insurance quotes. When your credit is pulled for insurance, it’s deemed a “soft hit,” which doesn’t damage credit. “Hard hits” hurt credit, and those are when you’re asking for credit to be extended to you, such as applying for credit cards, cars, and mortgages. Soft hits don’t impact your credit negatively, no matter how many times or how many insurers pull it.
3. Driver information — If there are other drivers on the policy, you’ll need the same information from them too. Even if they don’t drive your car, you might need to list them as excluded or as non-drivers. Have their names, dates of birth, and driver’s license number. You WILL need their license number if you buy the policy and if they’re going to be listed as a driver and usually if they’re going to be listed as a non-driver as well.
4. Driving history — This includes any minor tickets for the last three years, major tickets (DUI, driving on suspended license, failure to carry insurance, etc.) in the past five years, and any claims and/or accidents you have had in the past five years. Provide this info for you and any drivers on the policy. If you don’t enter them all in manually, the quoting system will just pull it when they run your driving records and Comprehensive Loss Underwriting Exchange (CLUE) report, which tells insurers about any past accidents you’ve had, your insurance history, and past claims history information.
If you currently have insurance and have been continuously insured for at least six full months, have that information available. You could receive a significant discount on premiums if you have insurance currently and haven’t had any gaps or lapses in coverage.
Once you’ve provided that information, you’ll be asked what coverage options you want.
1. Liability — This is mandatory and your chosen limits are the maximum amount the insurer would pay if someone was hurt or if you damaged property in an accident. Choose the highest limits you can afford.
2. Comprehensive and Collision — This isn’t required unless you have a loan on the car. However, even if you don’t have a loan, if you don’t choose to carry this coverage, you won’t have ANY coverage for your vehicle and would have to absorb all financial loss if the car was damaged or totaled. You’ll need to select deductibles, which is the amount you’re responsible for if there’s a claim.
3. Medical Payments — This gives you and your passengers coverage for any injury in your car regardless of fault. Some states carry PIP (Personal Injury Protection) instead.
4. Additional Options — Roadside assistance, rental car coverage, gap insurance, vanishing deductibles, and accident forgiveness are just a few of the options you can add to customize your policy.
Once you’ve customized your policy, you’re ready to make a decision. Once you’ve compared each quote to the other, go through the process as far as you can before giving credit card information. If your quote amount changes at all, you’ll want to review what perhaps caused the change in rates (such as forgetting about a speeding ticket from a couple years ago that auto-filled when your driving record was ran), but if you can’t find anything that’s changed and see a significant change in premium, note your quote ID, call the main sales number of that particular insurance company, and have them pull up the quote and review it with you to see what possibly caused the rate change.
You’re not alone in wanting accurate online quotes, and it’s starting to seem as though primarily getting quotes online is a direction we’re headed in, causing some to even worry about the jobs of insurance agents. According to Comscore’s 2011 Online Auto Insurance Report, 20% of all consumers buy their insurance online, and 58% of people look for insurance information online according to a 2011 JD Power study. Although 2012 may not be quite as robotic or electronic as it appeared in glimpses of the future in movies, we’re definitely living in a world where doing anything and everything online makes all of our lives much easier.