Want to learn more about car insurance? Check out our car insurance overview, a comprehensive list of helpful resources, and our archive of informative articles.

Car Insurance Overview
The law requires that all drivers in Canada must have car insurance and the basic policy and minimum coverage levels are set by the government in each province. This means that by and large, in each province the terms of the insurance policy you receive from one insurance company to the next are virtually identical. However, the rates charged for a given car and driver can actually vary by hundreds and even thousands of dollars between insurance companies.

There are several reasons why the rates charged by different insurance companies can vary so widely. First, each insurance company uses its own claims or loss experience (how much money that company has paid out in claims in a given timeframe) in the marketplace as a key factor in determining the rates charged. Second, each insurance company independently examines a wide range of factors in determining the rate to charge for a given car and driver – for example, place of residence, age, gender, the make and model of car(s), the number of claims and tickets on a consumer’s driving record, and the annual mileage driven to name a few. With all these insurance companies constantly analyzing all of this data and changing their rates over time, it is perhaps no wonder that such huge rate discrepancies exist.

The key for consumers is to figure out which insurance company can offer them the best rate based on all factors. Chances are most consumers are not currently insured with the company that offers the best rate for their driving profile. But trying to find the best rate using conventional methods can be time consuming. This is where sites like InsuranceHotline.com can help by providing real-time, comparative car insurance quotes from competing insurers.

Read what drivers have said about InsuranceHotline.com and how it helped them save money on their car insurance.

Start by getting a car insurance quote now!

Helpful Car Insurance Resources
Compare car insurance quotes – Get a free, real-time quote from competing insurers to find the lowest rate available and see how much you could save.

Newsletter – Sign up to the InsuranceHotline.com Insider, our e-newsletter with tons of helpful information on insurance, tickets, accidents and the law.

Renewal Reminder – Never forget to shop around for car insurance by signing up to this free service which sends you an email reminder before your renewal comes due every year.

Insurance Associations – A detailed list of the various insurance industry associations, who they are, and what they do to protect the interests of consumers.

Driver Resources – A host of valuable consumer resources all drivers should know about.

Rating Resources – Information on how insurance companies set their rates and the roles played by the government and various associations.

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