Having car insurance is mandatory under Canadian law. It is illegal to drive without having it. Read on for advice on how to find the right insurance for a good price.

As a first step, you may want to request that your previous insurer gives you a letter of experience. Make certain you hold the original copy. Some insurers in Canada will review your insurance experience before they come up with insurance rates. Naturally, your rates will be lower if you have more experience. Some insurers will accept your letter of experience if you are a new immigrant. However, they are not required to recognize it if you present a letter written by a foreign insurance company.

You probably know this one, but you need to have a driver’s license issued in Canada. Most insurance companies will not offer you insurance if you hold an international license. If you are new to Canada, consider getting your driver’s license before you shop around for insurances. The driving conditions in US and Canada are very much alike; so, many insurers will accept a letter of experience from a US insurer and will give you credit for having a clean driving record.

It is government agencies that offer car insurances in British Columbia, Saskatchewan, and Manitoba. You are responsible for purchasing insurance yourself in other territories and provinces. There is a long list of agencies you can check. Keep in mind that each agency sets its own rates, and you need to shop around for low rate offers. The best thing to do is to compare quotes. You can do this online, using some quote comparison service.

When asking for a quote, you will have to respond to a number of questions. First, you have to provide your name and full address. You have to specify the number of accidents and claims you have made during the last 3 years. The insurance company will want to know if you have driving experience of 5 years or more, and whether you have been previously convicted. You have to let them know if you have been found by court to have committed an insurance fraud. Inform the insurer if you will be driving a rented or leased vehicle and if you will use the vehicle to transport passengers or goods for compensation or hire. They will also ask whether you have been refused insurance or your insurance policy has been cancelled over the past three years. If your driver’s license has been cancelled or suspended in the past five years, you need to inform them of that. You also have to provide information about your car’s model, make, year, mileage, and approximate value. In addition, you have to inform them of your driver’s license class, employment status, and occupational status. It is important that you give correct information to the insurance company, as its accuracy can be easily confirmed.

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Insurance is one of the most important elements, in case you are serious about your own and your possessions’ safety and security. For the security of people and their possessions, various types of insurances have been made compulsory for people in some countries. In this article, I am going to give a general overview of a few important insurance types that you cannot do away with, in case you are immigrating to Canada. So, here you go; some information on insurance types that you need to know before stepping into Canada.

Health Care Insurance: Well, first of all, the insurance in Canada which is of utmost importance is healthcare insurance. You need to get information about the types of healthcare insurance plans offered to immigrants in the province you plan to move in Canada. Various Canadian provinces do not deal the instantaneous healthcare insurance to immigrants. For this reason, it may take 2-3 months to get healthcare insurance. But it doesn’t mean you cannot be insured for that time. You must contact the private insurance companies as soon as you enter the country. Otherwise the expensive medical care will be a very unappealing experience for you.

You must be well-informed about the travel insurance if you move to Canada. Those of you who are not really aware of this kind of insurance, well, travel insurance in Canada protect you and your possessions in case you travel to a place outside of your home province. Travel insurance is very important because your normal insurance plan is usually limited to your security in your home province.

Automobile Insurance Last but not least is automobile insurance which is very commonly known and acknowledged because of its importance. To get auto insurance in Canada is easy as there are a number of different companies offering different quotes. Hence you can select the one that offers the best insurance plan. However, instead of going for the companies asking for low deductibles, you had better drive carefully because if you have a clean driving record you will definitely end up getting a cheaper quote.

These are some of the important insurance types that you should know about very well for the safety of your own and the family.

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