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Where’s the Best Place to Get in New Westminster to Get Auto Insurance?

by admin

For most people, shopping for auto insurance is about as appealing as going to the dentist or filing your taxes. That said, when it’s time to take out a policy or renew, where you go can have a big impact on your coverage and insurance costs. So, while it might not make your top 10 list of favourite pastimes, here are a few reasons why it matters where you buy your auto insurance and the best options in New Westminster.

ICBC is Not Your Only Auto Insurance Option

Some people stick with ICBC just because it’s there, and others are simply unaware that they have options when it comes to their optional auto insurance coverage.

Drivers in BC, including those in New Westminster, must purchase basic auto insurance through the Insurance Corporation of British Columbia (ICBC). This basic mandatory coverage includes protection if you’re responsible for a crash or accident, coverage if you’re involved in an accident with an underinsured (or uninsured) driver, and coverage for medical costs and lost wages. However, when it comes to your optional coverage, everything from collision to comprehensive plans, you are not obligated to choose ICBC, and in fact, there are many benefits to going with a third-party provider.

Why People Choose Third-Party Auto Insurance

Separating your basic and optional coverage might seem like a hassle, but it’s not. Most private insurers are also ICBC Autoplan brokers; it’s still one-stop shopping and one payment, and you end up with better coverage.

More Flexible Coverage Options

Working with a private insurance broker gives you more flexibility to tailor your auto insurance to your specific needs and budget. This includes options when it comes to your coverage amount, deductible, and discounts for combining multiple products.

Lower Premiums

Cost is a major consideration when shopping for auto insurance, but you don’t want it to come at the expense of your coverage. Private insurance companies in New Westminster offer the best of both: more comprehensive coverage options and lower premiums, on average, when compared to ICBC plans. It’s a win-win scenario.

Better Customer Service

For all the good it does, one thing ICBC is not known for is its top-tier customer service. Whether it’s chasing an agent to have your file sorted, waiting for payments, or dealing with bureaucratic hurdles, the experience can be frustrating. When you work with a private auto insurance company, you get a dedicated broker who not only helps you choose your coverage but also acts as a liaison if you ever need to file a claim. Being on a first-name basis with your insurance provider is a level of service you just can’t get at a large corporation.

Shopping for Auto Insurance in New Westminster

The best news is that you can benefit from all the advantages of private auto insurance in New Westminster without leaving your home. Brokers are available online and over the phone to help you navigate your basic and optional coverage options. But it’s important to choose the right broker.

Read Reviews

A little research can go a long way when it comes to finding the best broker. Online reviews will give you insight into other customers’ experiences and how well the broker handles claims, customer service, and overall, how satisfied people have been working with the company.

Ask Questions

Auto insurance providers ask a lot of questions to help them better understand your needs and risk profile, so don’t be shy about returning the favour. Ask questions. A good broker will take the time to explain your options, break down your coverage, and make sure you’re not paying for anything you don’t need. If they’re not willing to answer your questions or they’re pushing products you don’t need, it’s a sign they might not be the right provider.

Go Local

Choosing a local broker means you’re getting someone who knows the ins and outs of auto insurance in New Westminster. They’ll understand the local market, can recommend coverage based on your driving habits, and will likely offer a more personalized experience. Plus, supporting local businesses is always a win.

At the end of the day, auto insurance might not be something you look forward to shopping for, but taking the time to explore your options could not only save you money but also give you peace of mind knowing you’re properly covered with an auto insurance provider who’s got your back.