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Best Car Insurance Rates

Insurance Buddy™ is an online insurance quote system committed to providing complete quote accuracy, operated by INSUREIT GROUP INC. Our goal is to provide the best car insurance rates while maintaining the highest standard of service. It is our mission to drive down your auto and other insurance rates by providing an online rating system based on your driving profile. This site was created to help you find the cheapest insurance rates in Ontario for car and home.

  • Paying too much? High risk drivers – give us a call! We just may have a low cost solution.
  • Simply want some car and home insurance information? Get a free, no obligation quote.
  • Saving you money is our goal – we offer cheap home and car insurance options.
  • Click or call – you will have your quote in just minutes.

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How to Get the Best Insurance Rates

Best insurance rates

Insurance is one of those things that is a necessity of life, whether you want to drive a car or protect your home. As such, there are insurance agents and companies left, right and centre vying for your business. There are so many options and it can get overwhelming and confusing. But if you want to get the best rates, it is up to you to take charge of the process.

As we know, there is no one size fits all policy and we all have specific requirements, whether we have been deemed a high risk driver, or are a landlord with tenant insurance considerations. And then there are the factors that affect us all – going insurance rates in your local area, your credit score, inflation etc.

So how can you go about getting the best insurance rates? Here are some of our top tips…

Get several quotes: You might be surprised at the difference in rates you get from different companies. Yes, it’s a little bit more work to get a number of price and plan options, but then you’re in the best position to find the lowest rates and the ideal fit for your needs.

Give yourself plenty of time: Two days before your existing policy expires or before you need coverage is not the ideal time to start looking for home or car insurance quotes. By starting early, you will have the time to do more research and comparison. While with us you can get quotes in just minutes for either car insurance or home insurance, it can take time to gather all your information. If you’re in a rush, you may settle for less than the best rate in your hurry to put the needed coverage in place. Or you may just decide to renew your existing plan without checking if a better rate is available.

Ask questions: There are various ways that you can lower your insurance rates, so be sure to ask what options are at your disposal. Perhaps you can combine home and car insurance for a fee reduction. Perhaps enrolling in telematics will shave a few dollars off your monthly premiums. Good agents will always be well-informed on cost savings strategies.

Talk to your current provider: Just because you have been with an insurance company or plan for some time does not mean you need to preserve status quo. Once you’ve done your research and have some quotes in hand, compare them to your current rates. If they differ, you can use this information as leverage to negotiate a better rate. You may be offered a discount or your agent may find additional savings to apply to your plan. It never hurts to ask!

These are some of our top recommendations for searching out the best insurance rates. Contact us to get your insurance quote today – 1-855-237-2905.


Image source: / Stuart Miles



What is Renters Insurance and Do I Need it?

renters insurance

If you don’t own your home, you might not have insurance on your mind. However, you still need to consider what you do have to insure – your belongings and effects. Renters insurance allows you to safeguard your personal property while dwelling in a building owned by someone else.


Doesn’t home insurance cover this?


You might think that your belongings are covered by your landlord’s insurance policy, but that is not the case necessarily. More likely than not, personal effects and building contents are not covered in insurance plans chosen by landlords and property owners. Their insurance will cover what they themselves own – the land and the structure, not your stuff.

So, if there is a fire or you experience a robbery, you can’t look to your landlord to cover what was lost. Your own renters insurance is what will cover you in such a case.

Some rental properties require that their tenants have renters insurance. Even if this is not a specific requirement in your particular situation, having renters insurance ensures that your belongings are covered, no matter what detrimental occurrences take place where you are renting. You might be surprised when you do an inventory of all you own just how much it is worth.


What you need to know about renters insurance


•   Renters insurance is similar to other types of insurance – you select things like deductibles and the amount of coverage you require. So there will be different options at your disposal. Do your research and get a few different quotes just as you would any other insurance. You want to be sure that you are dealing with a broker or company that offers you the coverage you need, at the most competitive rates. Costs and coverage can vary widely.
•   What is covered in your policy depends on the issuer, but generally the same things that home insurance covers such as fire, theft and weather damage to name a few. Make sure that you have a clear understanding of what is or isn’t covered by the policy you are considering.
•   Earthquakes and floods aren’t generally covered.
•   The cost of your renters insurance will depend on the value of what it is that you are looking to insure. So costs will vary widely depending on your belongings.
•   Liability coverage is something else to think about. While most renters plan will cover this, ask to be sure. You may also be given options for amount of coverage here.
•   Be aware of whether your policy gives cash value reimbursements (known as actual cash value or ACV) or whether it is based on replacement cost.
•   In certain cases depending on the living arrangement, such as group housing, renters insurance coverage will be rejected. Let your agent know right away the type of living situation you are in.


Renting without any coverage for your belongings? Want to compare prices with what you are currently paying for your renters insurance? Contact us today at 1-855-237-2905 and we’ll be happy to find the best coverage plan for you.


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