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I need insurance quotes. How can InsuranceHotline.com help?

There are many ways to save on your insurance premiums, but none are more effective than shopping around. With auto insurance, for example, InsuranceHotline.com shoppers saved $450 on average in 2017 after comparing car insurance quotes with us.

Whether you’re looking to pay less for your auto insurance, home insurance, or maybe you’re going on a trip and need travel insurance; getting insurance quotes at InsuranceHotline.com is as simple as 1, 2, 3.

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Over $5.2 million in car insurance premiums saved in 2017 alone

Canadians save millions year after year

There are many ways to save on your insurance premiums, but none are more effective than shopping around. With auto insurance, for example, users saved over $5.2 million in premiums last year alone by comparing quotes with InsuranceHotline.com.

Whether you’re looking to pay less for your auto insurance, home insurance, or maybe you’re going on a trip and need travel insurance; getting insurance quotes at InsuranceHotline.com is as simple as 1, 2, 3.

Why use InsuranceHotline.com?

We want to help you save money on insurance because we’re drivers, homeowners and travellers too, and we know that everyone loves the feeling they get when they know they’re getting a good deal.

Drivers, for example, save $450 on average and travellers save as much as 50 per cent after comparing quotes with us.

All it takes is a few minutes to compare quotes from our network of over 30 insurers.

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Comparison shopping can help you save!

Insurance rates are always changing. Take car insurance, for example. In many provinces, rates change every three months. Car insurance companies typically apply to their respective regulating board to have their rates either increased or decreased. This means that even if you were getting the best rate two years ago, you might not be getting the best rate today. It’s just the nature of the car insurance industry, which is why these same regulating boards recommend drivers shop around and compare rates from at least three different car insurance companies before purchasing a policy.

At InsuranceHotline.com, we take this one step further by empowering you to compare rates from more than 30 of Canada’s leading car insurance providers in the time it would take to get just one quote. Millions of Canadians have saved money this way. Find out how much you can save by comparing rates today.

If you’ve got questions. We’ve got answers.

If you’re wondering about how it all works, the following are some of the most common questions we’ve heard from customers just like you.

What kind of insurance do I need to shop around for?

No matter what kind of insurance you’re looking to obtain—whether it’s auto, home, travel or life insurance—shopping around is the best way to know for certain that you have the coverage you need at the best possible price.

Will my insurance quotes be accurate?

Yes! The quotes you get are the same quotes you would get if you called each of our insurance partners directly. There is no catch, and you’ll save oodles of time in the process. The insurance quotes are all personalised and unique to you, based on the details you provide. But remember, the quotes are only as accurate as the details you provide, so if any information changes once you’re chatting with the insurance company, your rate may change too.

Will my insurance quotes expire?

The insurance quotations you get today don’t have a set expiry date per se, but that doesn’t mean they won’t change in the days or weeks ahead. If you’ve found a great price on a package that suits your needs, it’s best that you act on it as soon as possible.

How are my insurance quotes calculated?

The insurance quotes you get are no accident. They are all personalised and unique to you, based on the details you provide. The insurance quotes you get are calculated by taking four main factors into consideration:

  • Your personal details
  • Amount of coverage you’re seeking to get
  • The deductibles (if any) that you choose
  • The insurance company that you end up selecting

These four factors are common to virtually all insurance products; the insurance quotes work in a similar manner whether you’re looking for auto insurance, home insurance or travel insurance.

Why does one insurer offer me a better rate than another? Why are my insurance quotes so different?

Insurance quotes can vary considerably from company to company and there’s a whole host of reasons why quotes are different between insurers. Peel it back however, and part of the reason quotes vary typically comes down to three financial factors unique to each insurer:

1. Their claims experience with the group of people they cover

2. The likelihood you’ll submit a claim

3. The competition they face

Together, these factors make it so that each insurer is unique in the price they offer for the product they’re selling, and shopping around for your insurance is the only way to ensure you’re not overpaying for the coverage you need.

All it takes is for one thing to go wrong for you to get sued!

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Professional Liability Insurance Canada

What Type of Coverage do Small Business Owners Need?

Owning a small business in Canada is one of life’s most exciting stages. While it can be challenging it times, it still remains an experience that has the potential to be incredibly rewarding down the road.

If you own a business, then you probably are already aware of the importance of being properly covered under insurance policies. In the event that you are not, we highly recommend that you read this article to familiarize yourself with the different options available to you.

As a small business owner, the first policy that you should look into-regardless of the size of your company-professional liability insurance policy.

Free Professional Liability Insurance Quotes Canada

Are you a professional looking for reliable and affordable professional liability insurance coverage? Are you looking for a free insurance quote? You are not alone. Each year, we protect hundreds of professionals from coast to coast. What prevents you from being among them?

What Is The Difference Between
Professional Liability Insurance and Business Liability Insurance

There is no doubt Liability Insurance is critical for any small business owner to obtain, but it is also critical that as a business owner you understand exactly what coverage is included in your liability insurance policy. It is commonly believed that if you have liability coverage, your company is completely covered for all mishaps, incidents or unfortunate occurrences (including negligence). However you are probably only covered for typical accidents or mishaps that happen, on your property or wherever you are conducting business, to any employee or customer. It is not likely that you are covered for negligent incidents, mishaps or accidents that occur while performing the actual professional services.

If you only have Business Liability Insurance coverage (AKA: Commercial General Liability Insurance), that is probably the case. In order to protect yourself from accidents or negligence that may happen during or as a result of your professional services, you also need liability coverage called Professional Liability Insurance (AKA: Errors and Omissions Insurance). Below we describe and provide examples of both types of liability insurance coverage, so you are informed when purchasing your small business insurance policies.

Professional Liability Insurance/PLI

(Errors and Omissions Insurance)

These policies would cover

  • Flawed professional advice and services that may have resulted in financial loss to the customer or client.
  • Protects professional individuals or companies from responsibility of the full cost of defending against a negligence claim and damages awarded in such a civil lawsuit.
    • Professional liability insurance covers the costs of judgments, settlements and legal defense.
    • Damages paid under a professional liability policy are typically financial rather than physical.
  • In the medical profession, this type of coverage is referred to as malpractice insurance and is required by law.
  • Some of the types of professions that would need Professional Liability Insurance would be: insurance agents, consultants, brokers, lawyers, accounting firms, engineering firms, financial services, contractors or construction companies, plumbers, electricians, health professionals, etc.

You own a small Law Practice, a local entrepreneur consults with you about their business endeavors, you provide legal advice. Later the entrepreneur claims your legal advice caused him to loose $100,000 in a bad business deal. This type of policy will help cover the lawsuit and any decided settlements.

You own a carpet cleaning service and you have been appointed to clean all the carpets at a major retailer. One location claims the products your company used to clean the carpets left bleach stains throughout the store causing the store to close down and replace all the carpets. This type of policy will help cover the lawsuit for business interruption and lost profits, and any decided settlements.

Business Liability Insurance

(Commercial General Liability Insurance / CGL)

These policies would cover

  • Claims of bodily injury or other physical injury (to customer or employee) or property damage that may occur at your place of business or at other locations (included in your policy) where you normally conduct business.
  • The costs to defend or settle claims – even if the claims are fraudulent.

Please visit Bullfrog Insurance to quote and buy business liability insurance online.

Nanaimo Professional Liability Insurance Coverage: Yes or No?

If you are a professional currently working and living in Nanaimo, you may be wondering (and with good reason) whether or not you need to be covered under a professional liability insurance policy. Here’s the thing: While you are not required to purchase this policy, it doesn’t mean that you shouldn’t. Think about it for a […]

How Can Canadian Contractors Stay Safe In the Workplace?

In Canada, it is no secret that being a contractor is one of the most dangerous jobs. This is why companies prefer to hire skilled and experienced workers. With that being said, however, sometimes it’s easy to forget simple rules — especially after working as a contractor for several years. The more familiar a job becomes, the […]

3 Things To Know About Fredericton Professional Liability Insurance Coverage

Okay, so you’re a professional. We have this covered (no pun intended). But the question still remains… are you covered under a Fredericton professional liability insurance policy? Chances that you’re not… or well, you wouldn’t be here! If you are considering purchasing this policy in the near future, here are 3 things that you need […]

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Compare car insurance quotes online
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Looking for the best rates on car insurance? You’ve come to the right place. At LowestRates.ca, we’ll help you compare the most competitive offers from Canada’s leading auto insurance companies. You’ll get the policy that suits you best while saving time and money.

Just fill out our insurance form and click ‘Compare’ to find your quotes. Auto insurance rates for the same driver with the same car can vary wildly between insurance companies, which is why comparing rates is the only way to get the best deal.

It’s time to get your cheap on. See the cheapest insurance rates available for a driver with your profile, record, location, and vehicle.

Not quite the blink of an eye, but close. We ask only six questions to get the ball rolling, and then you’ll get your car insurance quotes in under 3 minutes.

Our quoting service is absolutely, 100% free for our users, so comparing quotes won’t cost you a dime.

No rocket science here. Just fill in a few quick details about you and your vehicle and leave the rest to us.

At LowestRates.ca, top insurers compete for your business on an even playing field. They provide their best rates, and we compare them for you.

We cast a wide net. Our quoter brings you 30+ personalized car insurance quotes from all the top insurers in the area where you live.

We only ask for the details we need to find you the best quotes in your area. Your information will never be given to a third party.

What’s better than getting the best rates on car insurance in under 3 minutes, for free? Getting to save your time and money too.

How do I find the cheapest auto insurance rates?

Online quote comparison sites like LowestRates.ca make it simple – just fill out our auto insurance form with your driver details (postal code, driving experience, vehicle make and model, etc.), and then we’ll find and rank the cheapest auto insurance rates available to you.

Once you’ve selected your quote, you’ll be able to speak directly with an insurance broker who’ll help you lock in your rate with the insurance company and get set up with your new policy. Shopping for car insurance has never been quicker or easier.

Check out a recent rate from one of our users.

Car Type Honda Civic Driver 57-year-old woman Date 9:45 AM today Get your rate

What can I do to get cheap car insurance?

It’s easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

We’ll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

It’s true — your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

The math is clear: more experience on the road equals lower car insurance premiums.

Where you drive affects your premiums. Some areas are associated with higher car accident and theft rates.

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Types of auto insurance coverage

Getting the best auto insurance policy isn’t just about the lowest price. It’s also about finding the right coverage, so you’ll be financially protected if you get into an accident.

Here are the categories of coverage available in Canada:

This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you’ll want enough insurance to cover a judgment against you in a major accident so that your personal assets won’t be put at risk.

ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you’re out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.

This type of auto insurance covers damages resulting from incidents that aren’t related to car accidents or collisions. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.

Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.

Covers costs related to your injury or death after an accident caused by another driver who’s either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.

Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren’t entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.

Provides protection for you against all types of perils except those specifically excluded from your policy.

Provides you with medical care and income replacement benefits if you’re injured in a car accident.

Deal with your own insurer regardless of who’s at fault in an accident. With no-fault insurance, you don’t have to pursue the other driver’s insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.

This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occurring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.

Is auto insurance different from province to province?

Yes, auto insurance systems, coverage, and rates vary greatly depending on where your vehicle is registered.

Some provinces, like Saskatchewan, Manitoba, and British Columbia, have government administered auto insurance programs. Quebec uses a hybrid system – the government provides personal injury coverage while property damage coverage is set by private insurers.

Alberta, Ontario, Nova Scotia, New Brunswick, Newfoundland, Prince Edward Island, and all the territories have private insurance markets where private insurers offer coverage.

Source: Insurance Bureau of Canada, 2017
*2016 data

What if I’m an Uber driver
or I drive for another ride-sharing service?

As of the beginning of 2016, there’s coverage for that! Ride-sharing insurance plans have just arrived in Canada, and LowestRates.ca is one of the few places where you can purchase them. Ride-sharing insurance is designed specifically for drivers who use their personal vehicles to transport paying passengers.

Here’s why you need to buy ride-sharing coverage:

  • Your personal auto insurance policy doesn’t cover you if you ride-share (and could be cancelled at any time).
  • A commercial auto insurance policy (used by taxi services) is way too expensive for the average ride-share driver.
  • Ride-sharing insurance gives you and your passengers the coverage you need — at a price you can afford (many ride-sharing plans are less than $100 per month).

Ride-share drivers can call 1-844-277-0404 to learn more and get a quote.

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