深入剖析低價汽車保險

For Canadians, cheap car insurance typically means paying a lower monthly premium. And, because driving without insurance in Canada isn't an option, even the cheapest policy still covers the legal minimums. So, whether you're driving up a mountain incline in British Columbia or cruising along Nova Scotia's coastal shores, a cheaper policy still means you'll be meeting mandatory car insurance requirements.

But while your bank account might be happy with cheaper insurance, it's important to know that cheap car insurance often means minimum coverage that could be leaving gaps in your protection. At first glance, signing up for the cheapest car insurance you can find might seem like a good idea for your financial goals. But the reality is, the cheapest price isn't necessarily the better option-and paying less for your car insurance in Canada may cost you more in the long run.

Before you begin shopping for a bargain car insurance rate, learning more about the legal essentials of car insurance and some common terms you might encounter can be helpful.

法律要求

• 汽車保險。 在加拿大，沒有保險您無法合法上路。無保險駕駛可能會導致嚴重處罰。 Which means you might be looking at not just a ticket and a large fine, but possibly a licence suspension too (not to mention, the potential stress of a large lawsuit).
• 保險證明。 This is mandatory across all provinces: You must always carry proof of insurance when driving.

常見汽車保險術語

Here are some terms you'll likely come across when shopping for car insurance in Canada:

Choosing the cheapest car insurance can be tempting, but the price tag on your premium shouldn't be your only consideration: You want to make sure you're getting the coverage and support you need when you need it most. That's why, when you're looking for a lower-priced insurance option, it's important to consider several factors in addition to the amount of money you'll be paying. Here are some key things to take into account when making your decision:

• Review the coverage limits. 雖然您不想為不必要的附加服務多花錢，但也不能讓保險保障不足。 Whether it’s a high deductible or inadequate optional loss or damage coverage, having insufficient coverage for your needs can potentially lead to significant out-of-pocket expenses down the road.
• 了解保險例外情況。 閱讀保單細則。 You want to be aware of what incidents, uses, or damages are excluded, to help prevent unpleasant surprises if you need to file a claim. For example, if you plan to use your vehicle to provide rideshare or taxi services, be sure to contact your insurer first, as your policy will likely exclude these activities, which could impact your coverage in the event of a claim.
• 查看附加福利。 看看是否有您可以享受的額外優惠。 For example, are there extras offered, such as added benefits for good drivers, or insurance discounts, like a discount for members of a particular employer group, profession or alumni association?
• 調查保險公司。 What’s the insurance company’s track record and reputation in your province? Ask people you know for their recommendations and check out insurers' online reviews at reputable review sites to see how well past customers rate them and what they say about their customer service. For example, how accessible is the insurer? Do they provide multiple contact methods and respond promptly when customers reach out to them?
• 考慮付款選擇。 A deal might look great upfront, but not so much when you take a closer look at how payments are setup.問一些問題，例如：保險費可以按月付款還是按年付款？可使用哪些付款方式？ Make sure the payment terms actually fit your budget and how you'd like to pay.

讓我們看看道明保險，了解這些因素在實際中的體現。當您向我們購買汽車保險時，您獲得的保險承保範圍將超越最低汽車保險範圍：您將獲得符合您需求的承保範圍、網上保單管理功能、透過電話或安全的聊天方式聯絡持牌保險顧問，以及靈活的付款選擇。

Plus, you get access to additional benefits like our Claims Free Reward and TD Insurance Auto Centres, which provide a one-stop solution for on-site claims advice, repairs, and rentals.在挑選能滿足自己需求的保險時，這些都是重要的考慮因素。

No matter where you're located in Canada or which insurers you're looking at, smart shopping can help you get the best deal possible—without cutting corners on the quality of your coverage.

就像您不會購買看到的第一輛車一樣，別急於接受第一個保險報價。比較各家保險公司在相同價格下提供的服務－為了確保比較公平，請確認所有報價都是針對相同類型的保障。 For example, a quote that includes optional insurance such as collision or comprehensive coverage will be more expensive than one that provides only the mandatory minimum.

如果您在事故發生時願意承擔更多自付費用，不妨考慮提高免賠額。 With many insurance providers, a higher deductible often means a lower premium.

您有房屋保險或租客保險嗎？ See if you can save by getting your auto insurance from the same insurance provider. Often, the more policies you have with the same insurer, the more you save.

Ask insurers if there's anything you can do that will help reduce your premiums. Whether it’s a lower rate for being claims-free or having a clean driving record, alumni discounts, or a discount for insuring multiple cars with the same insurer, it never hurts to see what might be available.例如，選擇道明保險，您可以有超過30種方式省錢，涵蓋房屋和汽車保險。

保險需求可能每年都不同。或許您最近減少了開車，因此里數也不像以前那樣增加了。 Or perhaps your oldest just moved out and now has their own home and car (and collision insurance for that car!). Reviewing your policy yearly can lead to coverage adjustments that help keep your costs down.

獲得駕駛執照是一個令人難忘的里程碑，非常值得慶祝。 Now is not the time to let the costs of car insurance for new drivers dampen your excitement.以下是一些提示，可以協助您在不影響承保範圍的情況下，將保費降到最低：

• 參加駕駛培訓課程。 很多保險公司會為完成駕駛訓練課程的客戶提供折讓。 Not only do these courses improve your skills and help reduce the risk of an accident, having a completed course under your belt shows insurers you’re serious about being a safe driver.
• 透過安全駕駛節省保費。 If your insurance company offers one, consider enrolling in a program like the TD MyAdvantage program, which is offered to TD customers in Quebec and Ontario. These kinds of usage-based insurance programs reward you with discounts based on safe driving—a potential win-win situation, as it will also give you a financial incentive to practice safe driving behaviours too.
• 謹慎選擇您的車輛。 您所駕駛的汽車類型會顯著影響您的汽車保險費用。選擇一輛安全記錄良好且維修費用低的汽車，可能會讓您享受到更實惠的保費。
• 定期檢查您的保單。 Just like more experienced drivers, as a new driver, your driving circumstances and needs can change.透過定期審查保單，隨著您的經驗和信心增加，您可以調整承保範圍，從而節省更多保費。

想立即使用？ Get a car insurance quote today today. And be sure to check out more ways to save on your car insurance.