I got to 30, 2 kids and a college degree, having never driven or owned a vehicle. I recently got my license, and am wanting to start driving, but have no idea how buying a car or getting insurance works. I’m in Alberta, Canada. I have ok credit. I hate the idea of walking into a dealership with no fucking idea what to even say or ask for, and am lacking in parental figures to ask. eli5?
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I recently had to get auto insurance for the first time (Ontario) and the biggest piece of advice someone gave me was to shop around for auto insurance. Get a bunch of quotes from broker companies (Kanetix, LowestRates, [Rates.ca](https://Rates.ca) etc) and direct insurance companies (Sonnet, TD, Intact etc.) I basically just googled “auto insurance ontario” and used every online quote application I could find.
The way it was explained to me is that it’s worth putting in the research with insurance because when you find a low/the lowest quote, you’ll know for sure that it really is the lowest one. The first quote you get likely won’t be the lowest one which is why it’s worth looking around; again, even if it is, you’ll know for sure if you can compare it other quotes. Some people even do this every year especially if their price goes up a lot when it renews.
When you’re comparing/getting quotes, try to check off the same coverages and amounts so you know you’re actually getting an apple-to-apples comparison.
I ended up going with a broker company: [https://www.foxquilt.com](https://www.foxquilt.com/) because I needed the extra help (I also needed tenant insurance and I had just transferred my US license for an Ontario one.) Also from what I understand, a big part of your insurance price is driving experience. I was getting insane quotes because I’m young (early 20s) and it looked like I had no Canadian driving experience since I had just exchanged licenses. Since you just started driving, this may be the case for you as well so a broker might be more helpful in this scenario too. Hope that helps!
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