Both countries demand proof of auto insurance and require a minimal level of coverage. The search procedure for auto insurance remains largely the same in either country. In some Canadian provinces, compensation is paid by the government to individuals who are injured in a car accident. Some provinces have created advisory groups that allow the insured to purchase additional coverage through an association.
Both countries share a common problem with their auto insurance requirements. In the United States many insurance companies refuse to cover injuries or damages incurred in one state. This includes states such as Michigan, where in 2021 the state legislature rejected a proposal that would have allowed car owners to drive without insurance. Some automobile insurance companies have moved into the Midwest area, in an effort to avoid higher insurance costs. While states such as Ohio and Pennsylvania have legalized personal medical insurance, they are the exception to the rule.
When comparing car insurance quotes in the United States and Canada it is important to remember that each of these two countries has a different method of calculating damages. While Michigan uses a system that divides the cost of treating an injured pedestrian into two parts based on how long the pedestrian has been unable to walk, Ontario uses a flat dollar value system. This means that the cost of treating an injured pedestrian in Ontario will be much higher than costs in Michigan because of the shorter time period since the injury occurred.
There are several ways to obtain free car insurance comparison quotes in the United States and Canada. One way is through contacting each individual insurance company individually. The Internet provides access to the web sites of many insurance companies, allowing a person to search for a policy at any time. Another way to find a quote is to contact a web site that provides quotes from many insurance companies at once. Many of these sites will provide the consumer with a side by side comparison of the cost of a policy from each company.
With the Internet, many insurance companies offer free quotes, but they often do not give the entire value of the policy. There is another method available to a consumer seeking free car insurance quotes online and that is through the use of a third party web site that collects quotes for a fee. These sites may charge a fee for obtaining quotes from certain companies, but the price is minimal compared to the amount of time it would take a person to search for an accurate quote through each individual company. In addition to providing an accurate quote, these services also store the data of previous policies so a person can see the effect that a policy will have over time without having to obtain and compare new policy quotes.
Once a person has found a website that provides them with a list of companies, he or she must be careful to view all of the information provided on the websites before purchasing a policy. Many of the Canadian car insurance rates that are available for purchase online are inaccurate. This is because many websites do not update their rates when a new company comes into existence or a new driver becomes a customer. Websites that are designed to sell policies are not responsible for accurate information. The prices listed on these sites are merely meant to guide a buyer in the right direction. A shopper should not allow the price of a policy to force him or her to purchase a policy that is far more costly than they intended to.
Another reason why a shopper should not look only at the prices of Canadian car insurance rates, but should also consider the reputation of the company. The Canadian company that offers the lowest price is not necessarily the best Canadian company. It is up to each individual shopper to research the different Canadian companies and find one that is the best option for them. In addition to researching cheap car insurance rates and reputation, a consumer should also ask other people who have purchased policies if they found the company was cheap. Friends, relatives and colleagues can often provide a wealth of information about the Canadian company that offered the best coverage at the best price.
A free car insurance comparison is also available on websites that allow individuals to compare rates between two countries. Two websites that provide a free auto quote are Insurance Smart and Independent Insurance Solutions. These websites allow a consumer to see the difference in the prices that each company would charge if they purchased a policy from each company. To use these websites, a consumer is required to provide their zip code in order to receive an instant auto quote. Comparing the two prices will allow a consumer to choose the most cost effective company.