Will Marshall Insurance Brokers Ltd will gladly provide you with a free car insurance quote, based on the protection and service you need. We will determine insurance solutions design with your best interests in mind. The only thing we request is that you provide us with some basic background knowledge, to help us customize a plan that’s unique to you.
Upon scheduling a meeting to discuss your options, here are a few pieces of information you should bring with you:
- Type and model of your vehicle
- Drivers license number
- Use of vehicle (personal, business or both)
- Number of drivers using the vehicle
- Number of licensed drivers in the household
- Type of coverage and liability you choose
- Number of claims
- Number of moving violations within last 3 years
What Determines Your Car Insurance Premiums?
The costs associated with Car Insurance Premiums depend on a number of factors; Will Marshall will happily discuss your current needs before providing a quote because we know that every driver has a unique situation.
1. Driving Record
This is a very important aspect that will be examined by your Barrie Insurance Broker. At Will Marshall Insurance we will look into how long you’ve had your license, the amount of traffic offenses and speeding tickets you have been given and whether you have been involved in any accidents. Generally, if you’ve only been involved in one minor incident this will not affect your rates.
2. Personal Profile
Rates will vary based on the type of vehicle you drive; for instance an SUV will have different rates from a sedan. The age of your vehicle will also determine rates. Newer models tend a known to be safer, but will generally have higher rates because they are worth more. Once your car starts to age, the depreciation of value can contribute to car lower insurance premiums.
3. Where You Reside
Where you live plays a significant role in determining your rates. Someone who is the same gender and age and drives the same vehicle as you, may have a different rate, even though they only live down the road from you in Barrie. Rates are often based on postal codes. Even if you have very similar insurance portfolios, rates can vary with a slight difference in address.
4. Your Age
The older you are the lower your car insurance premiums will generally be; this is due to the fact that you are viewed as a more responsible driver, and don’t pose the same risks that someone in their early 20’s does. Essentially the older you are, the lower your car insurance premium will be.
5. Vehicle Usage
If you spend a vast majority of your time on the road, your insurance rates will increase because of an increase in risk exposure. It’s important to let us know whether you generally drive for work or pleasure, and which is more prominent in your day to day life.
At Will Marshall Insurance Ltd, we realize that most families in Barrie require more than basic car insurance. Our optional coverage is available to you in the event that you or a family member is involved in a serious motor vehicle collision. We will take the time to familiarize ourselves with your particular circumstances, offering you inclusive coverage such as:
- Collision – Looks after the cost of vehicle repairs whether you are at fault or not.
- Comprehensive – Damage cause by theft, fire, vandalism and any other circumstances other than collision.
- Extended third-party liability – allows you to increase your coverage in situations where you are at fault for a collision as well as the damage or injuries that have occurred as a result.