As a parent of young kids, time is worth more than gold. You do your best to stay on top of everything, but let’s be honest, it’s pretty easy to let things slide. In our house, the day-to-day items are covered because they are in your face. It’s hard to forget to buy groceries or new gloves for the kids.
It’s the long term items that run in the background without much attention. One of these areas is auto insurance. We have some obviously, since we drive a car. We have had the same insurance for many years, always auto-renewing and coming out of our account like clockwork every month.
It’s automatic, so I never think about it. We are covered if we need it and that is the extent of what I need to know.
But if I had the mental energy and the time to sit down with it, I would probably start to wonder if I was getting the most bang for my buck. Are their better rates? Companies? Discounts for several years of clean driving? I know there are all of those things. But even typing it out, makes my brain hide under the couch, screaming uncle.
I have heard that you should move around to get better rates and not just let it roll over each year. I have no idea if it is true, but it makes sense. So if I were to look, where should I look?
One such auto insurance company I was contacted by La Capitale Financial Group. By just looking at their website, they were hitting the note I was just talking about.
Coverage that offers you more for your money
They have a lot of benefits that cover you as a driver, even if you are driving a rental. I had never considered that, but we do rent cars from time-to-time.
Some of the highlights include:
- Reimbursement of rental fees for a replacement vehicle while yours is being repaired as a result of a covered loss.
- No extra premium when travelling throughout Canada and the United States.
- Sleep easy by opting for a six-year replacement value—longest available on the market!
- Save up to $120 on each new auto insurance policy.
- Up to 20% off for drivers with no claims.
- $0 rate increases for 24 months, thanks to our two-year policy.
- Electric or hybrid vehicle? Receive a 15% discount on your auto insurance.
Again, when lacking time, you want it to be easy to get the insurance you need on your schedule. Right from their site I can do everything from getting a quote, to reading about how to file a claim. It’s not a setup where you have to do it during normal business hours. Who can do that these days? You can call them as late as 9pm EST.
If I have more time to read and learn more, there are a bunch of blog posts featured at the bottom and links to very active social media pages. I took a quick look and did not see any complaints, so that’s a good sign.
Does anyone use La Capitale for their auto insurance? What is your favourite benefit?
Full disclosure. I was contacted to share this information. We thank La Capitale for their contribution to this post.