As you most likely know, you should take the time to insure your brand-new car with the cheapest car insurance before you drive it off the lot.
The good news is that most Ottawa car insurance brokers, like the experienced team of experts at Surex, can provide quotes for same-day insurance. It’s not complicated; you have to submit some basic information. You can get a quote and buy car insurance Ottawa online from the most popular insurance companies. You can often get coverage on your phone or tablet, so you don’t need a computer.
You may be unable to obtain same-day insurance in some cases. Most car insurance companies, for example, will request your social security number to verify information in your application and calculate a risk score based on your credit history.
Suppose you do not have a social security number or cannot provide one at the time of application. In that case, the insurance company will require more time to process your application or may deny coverage.
Continue reading to learn the answer to the question, “can you get car insurance same day you purchase a vehicle?”.
Important Information That Drivers Need to Have to Apply for Car Insurance Coverage in Canada
So, can you get same day car insurance? Keep reading!
To get a quote for car insurance online, you will need to supply a few pieces of information. Using the provided information, the car insurance broker can come up with an estimate of your premium.
A typical online application will ask for your name and address, your gender, your date of birth, and marital status. To apply, you must provide your license number. To determine a quote, insurers need to examine your driving history.
In the application, you may be asked for information about insurance claims you have filed, accident information, and traffic infractions you have been cited or ticketed for. The insurer may require several years of information. Your social security number is also needed to check your credit score.
If you are not a first-time car owner, the broker will require information about your current insurance provider and your current policy. If available, information about your vehicle is also needed, the maker, the model, the year, and the VIN. Provided it is not a new car, the car’s mileage will be required, and the date of purchase too will be required from you.
When to Submit a Car Insurance Claim in Canada
In deciding whether or not to file a claim, it is crucial to consider whether you have property damage or bodily injury, what type of policy you have, and even the relationship between the parties.
Don’t hesitate to file a claim if your car is severely damaged in a single-vehicle accident. The insurance provider will reimburse you for your damages minus your deductible when you have collision insurance. In the absence of collision coverage, you will be responsible for repairs. Even if you choose not to file a claim after an accident, it is essential to report to the insurance provider. If an auto repairs damages anything while trying to fix a minor issue, you should contact your insurer immediately.
When there is a collision between your vehicle and another vehicle, and it is your fault, you should file a claim. At the accident scene, exchange relevant information such as names, addresses, phone numbers, insurance information, driver’s license numbers, and license plate numbers with the other party. Take pictures of all the documents and call the police as quickly as possible.
It is risky if you fail to report the incident to your insurance provider. For example, if you are sued for an incident that your insurance company is not informed about, they may be unable to help or represent you.
Whenever there’s a bodily injury, you should always file a claim. When multiple people are involved in the accident, get every person’s identification and insurance information. If you are at fault, your liability insurance will cover bodily injury. The time frames for filing claims for bodily injury are different. If you fail to file a claim before the time elapses, you will cater for that injury from your pocket.
Car Insurance Discounts For Drivers In Canada
When the insurance advisors at Surex compare your different car insurance brokers, they always factor in insurance discounts. There are different types of insurance discounts.
Some examples of useful car insurance discounts that drivers in Canada should utilize are as follows:
- Multi-policy discounts are available when you purchase car insurance and other policies from the same company.
- Multi-car discounts are available when you insure more than one car with the same insurance broker.
- New Car Discount is available for cars less than three years old.
- Vehicle safety incentives are available if your vehicle has high-quality safety equipment.
- Anti-theft discounts are available when your car has anti-theft features such as GPS and stolen vehicle recovery systems.
- Good driver discounts are available for drivers who manage to stay incident-free for some time.
Provincial Laws Regarding Car Insurance in Canada
In every province of Canada, there are laws regarding car insurance. For example, there is mandatory third-party liability coverage in Ontario and uninsured automobile insurance to cater to uninsured motorists. There is also a statutory compulsory accident benefits coverage and direct compensation law.
In British Columbia, there is mandatory third-party liability coverage, hit-and-run coverage, underinsured motorist protection coverage and inverse liability coverage. Saskatchewan also has compulsory third-party liability coverage and accident benefits coverage. Manitoba has mandatory third-party liability insurance, uninsured motorist insurance, and accident benefits insurance. Other provinces have their mandatory insurance coverages you can learn about here.
Before you apply to any car insurance brokers, ensure you know about the car insurance laws in your state or province.
Can you get car insurance the same day you buy a car?
In conclusion, if you’re ready to buy a car, don’t wait until next week. Take advantage of today’s opportunity to save money with auto insurance. Visit a reputable insurance broker to begin the process and to receive a collection of high-quality car insurance quotes.