New car insurance, new baby, everything’s changing!

When we found out we were having another baby it was a surprise, to say the least. We didn’t plan on having a third. We were just finally getting out credit card debt paid down. I’d found the perfect part time job that let me work nights and only required 16 hours a week. Plus, my husband got a promotion at work. Things were on the up and up, financially.

And then that familiar feeling hit me, nausea and utter exhaustion. This time it was like I had never experienced before to the extent that I thought something was really wrong with me. Because it wasn’t like my previous two pregnancies at all.

We soon came to find out that, yes, I was in fact pregnant. Not only was I pregnant. I was pregnant with twins. Twins! We doubled the number of kids we had in one pregnancy!

Needless to say, I was freaking out. Seriously. We’d finally turned a corner and I didn’t know what we were going to do. My husband was from a big family and stayed calm. He’s usually the voice of reason. Once the shock wore off, we sat down and thought about how we could cut back to save as much as we could.

Our credit wasn’t great. I mean, it wasn’t horrible, but it needed work. We tried to change electric companies but they wanted a big deposit. Then, we tried to change cable companies and they wanted a big deposit. We were a bit desperate when I thought about our car insurance. Would we be able to find very cheap car insurance with no deposit?

As it turns out, we were able to find exactly that. It saved us a decent amount of money every month, too. We also cut back on our cell phone plans and cable package. There is something to be said about only using your smartphone when you’re attached to wifi. We were able to drop of data usage to the lowest amount and saved even more every month.

We were so stable by the time I had the twins that I was able to take a full maternity leave without worrying about how we were going to pay the bills. Which was really nice because, let me tell you, twins are no joke. It’s going to be probably three years until I get to sleep at night again but it’s worth it. They’re exactly what our family was missing. Also looks like this summers vacation to our friend’s cottage in ontario is off. No time! or room!

How To Get Full Coverage Auto Insurance That Is Still Cheap

Full Coverage Auto Insurance  – What You Need To Know

I assumed that if I went for the full coverage auto insurance that it would cost me a bomb. I thought there was no way that I could have everything covered without having to spend a large chunk of my monthly income on said auto insurance. That’s the way it’s been for me in the past. I’ve ended up paying more than I’m comfortable with just so I can be covered in every area.

However, in recent years I’ve do tried to be frugal. Nowadays, I always try to get the best deal I can for anything and full coverage auto insurance is no exception. I won’t settle for anything less for full coverage. I don’t think it’s worth it to skimp on the coverage as it can really come back to bite you in certain cases. I might be pessimistic, but I know that pretty much anything can happen at anytime and I like to be protected.

The first thing that I do when changing auto insurance providers, which I do fairly often to get the best deal, is to shop around. Most people I know just settle for the first provider that offers them a fairly reasonable deal. They don’t really bother looking at what they’re getting for their money and they end up paying more than they need to. I really research each company and know what I’m looking for, which allows me to get a better deal than I would’ve if I had just settled. I recommend this site if you’re looking for quotes:

I’m not just careful with my finances. I’m a very careful driver and make sure that I follow the rules at all time. Whilst people like to say that they’re good drivers and everyone else is the problem, I believe you can mitigate many issues and accidents just by being careful and keeping under the speed limit. This can save your life. It can also prevent you from being involved in accidents that cause your no-claims bonus to disappear. One accident and you can look forward to your premium going up.

I also make sure that my actual vehicle itself is as secure and safe as can be. Put a good alarm and an immobiliser on your automobile. Even if you are already covered by cheap full coverage auto insurance, it can be a pain to have your car broken into and have your valuables stolen. Do your due diligence and protect your car as much as you can to lower the price.

These are just a few of the things that I’ve done that have had a great effect on the amount of money I pay out each month for full auto insurance coverage.

Finding Cheap Auto Insurance In The Modern Day

I’ve been with several auto insurance companies over the years and my experiences have been wildly different with each company. I’ve paid top dollar for excellent full coverage auto insurance, not left wanting for anything, and then there’s been times where I’ve had no choice but to pay a ton of money for awful coverage. Times were barely anything was covered and the few things that were had ridiculous excesses. Ridiculous to the point where the only benefit to be insured was because it’s legally required to do so. Luckily, at that time I had no accidents and no other need to claim so I was fine. But back then, it would only take a minor accident to really put a dent in my wallet.

So when shopping around this time, the burning question on my mind was:

Who has the cheapest auto insurance?

Like I said previously, I’ve already splashed out a lot of money for close to zero coverage. I’ve been there, done that and got the t-shirt. So now I’m looking to find the cheapest. I want to see if things can work the other way round. Can I get dirt cheap auto insurance that still provides me with the coverage I need? I think I can if I look hard enough. And if I’m smart enough to know where to look. Namely, online.

Things are different these days. One click online and you can find almost anything you could want. When I was younger, you had to rely on pawing through business directories and going through endless phone calls. Or you had to rely on word of mouth and hope that someone you know is already getting a good deal on auto insurance. The insurance companies could demand a lot more from you because they knew how painstaking it was having to call up a hundred different companies. They knew that you would eventually settle on a somewhat reasonable price, even if you could get a drastically cheaper price by continuing the search.

But with the internet, it’s not longer the case. It takes seconds to flip through the pages of tons of different insurance companies. Much quicker to fire of an email and get a quote than ringing up and being left on hold for hours. Many sites even have built in web forms so you can get an accurate quote right there and then without even having to deal with pushy salesmen at all.

I haven’t found the who has cheapest auto insurance yet but as my search continues, I’m greeted with cheaper and cheaper prices with far better coverage than I would’ve got previously for twice the price. By the way here’s a decent website I found for quotes:

Looking for an insurance agent in Algoma?

Welcome to

As you may have guessed, from the title. I’m an insurance agent in living and working at algomamainstreet.

You may have found my website/blog on Google, or been referred to me by a friend. In either case you’ve found the right person if you’re looking for insurance.

Whether you need health, life, auto or business insurance I’m your girl.

My name is Jennifer, Jen for short. I’ve lived and work in algomamainstreet for the last 7 years. So i’m somewhat of a household name in the area 🙂

If you need helping picking the right insurance I’d be glad to help. You can contact me through this website, or my number up top!

This website is also my personal blog. I hope it helps you learn a little about me.

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