Compare car insurance quotes online
to get the lowest rates
Looking for the best rates on car insurance? You’ve come to the right place. At LowestRates.ca, we’ll help you compare the most competitive offers from Canada’s leading auto insurance companies. You’ll get the policy that suits you best while saving time and money.
Just fill out our insurance form and click ‘Compare’ to find your quotes. Auto insurance rates for the same driver with the same car can vary wildly between insurance companies, which is why comparing rates is the only way to get the best deal.
How do I find the cheapest auto insurance rates?
Online quote comparison sites like LowestRates.ca make it simple – just fill out our auto insurance form with your driver details (postal code, driving experience, vehicle make and model, etc.), and then we’ll find and rank the cheapest auto insurance rates available to you.
Once you’ve selected your quote, you’ll be able to speak directly with an insurance broker who’ll help you lock in your rate with the insurance company and get set up with your new policy. Shopping for car insurance has never been quicker or easier.
Types of auto insurance coverage
Getting the best auto insurance policy isn’t just about the lowest price. It’s also about finding the right coverage, so you’ll be financially protected if you get into an accident.
Here are the categories of coverage available in Canada:
This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you’ll want enough insurance to cover a judgment against you in a major accident so that your personal assets won’t be put at risk.
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you’re out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
This type of auto insurance covers damages resulting from incidents that aren’t related to car accidents or collisions. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.
Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.
Covers costs related to your injury or death after an accident caused by another driver who’s either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicleif the uninsured driver is also identified.
Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren’t entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.
Provides protection for you against all types of perils except those specifically excluded from your policy.
Provides you with medical care and income replacement benefits if you’re injured in a car accident.
Deal with your own insurer regardless of who’s at fault in an accident. With no-fault insurance, you don’t have to pursue the other driver’s insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.
This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occurring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.
We’ll Help You Get The Cheapest Insurance Rates In Ontario
Get a cheap Ontario car insurance quote from one of our friendly insurance brokers and you could save big. They’ll quickly compare the cheapest auto insurance quotes so you’ll get the lowest rate.
They’ll provide savings advice and ask the right questions to make sure you get the best discounts possible. With ThinkInsure you’ll get the best price, lowest rates and coverage to meet your auto insurance needs. We can help you save on Car Insurance In Alberta also!
When you compare auto insurance quotes with us you can expect :
- Expert Car Insurance Advice That Saves : ThinkInsure brokers are licensed and highly trained insurance experts. Our insurance brokers will quickly recommend ways for you to save with our many car insurance products and discounts we can offer through our large insurance company partner network.
- Quickly Compare The Cheapest Quotes : We can quickly get you cheap insurance quotes from the best insurance companies, so you’ll get the best rates and coverage for your car insurance needs.
- One Stop Shopping For Car Insurance : We can take care of ALL your car insurance needs — shopping for best quotes, providing expert advice, personalized service and much more!
- Personal Service : All ThinkInsure customers get a dedicated personal service representative to take care of their insurance needs. We take pride in knowing our customers by name and by providing top level customer service.
“ I’m glad I called ThinkInsure to see if I could save on my car insurance. Denise asked me a few questions then quickly got me a bunch of quotes. She explained the differences in coverage and helped me pick the best one for my needs. She ended up saving me close to $400! ”
Margaret, Mississauga, Ontario
What Are Some Tips For Shopping For A Cheap Car Insurance Quote In Ontario?
Working with the top insurance companies, we can get car insurance coverage for any Ontario driver. We understand that you are busy and don’t have hours upon hours to shop around for cheap auto insurance quotes. Let us do the shopping for you and help you get the lowest rates.
1. Shopping Around For Car Insurance Quotes Pays Off
Insurance rates for the same car and driver can vary widely between insurance providers. So when you shop around, you’ll get different rates for the exact same car and driver. That’s where a broker comes it. It’s a broker’s job to find and compare car insurance quotes based on you as a driver, your vehicle and the coverage you need.
2. Save Time – Let A Broker Compare Quotes For You
Licensed brokers have such a wealth of knowledge and a network of providers. A broker will use their knowledge to source insurance that meets your budget and needs.
3. Benefit From A Car Insurance Broker’s Expertise And Experience
As licensed professionals, insurance brokers continually update their education and knowledge. They provide unbiased advice based on your situation and their experience.
What’s Your Unique Driving Situation And Car Insurance Needs?
Speak to us. We’ll compare auto insurance quotes and make sure you get the best rates possible. Even though Ontario insurance rates are the highest rates in Canada, you can have peace of mind that our licensed car insurance brokers will get the cheapest rates and the best insurance coverage.
What Determines The Cost Of Auto Insurance Rates?
Many considerations determine car insurance rates across Ontario. Where you live, the car you drive and your driving experience are only some of the factors that impact your auto insurance rates.
Here are some of the key factors car insurance companies consider when determining the cost of a car insurance policy :
- Your Driving Experience : How long have you been driving? What level of graduated license do you have? Your rates lower the longer you’ve been insured.
- Your Age : Insurers see older drivers as lower risk – as you get older, you are more likely to be a more careful driver and you will qualify for additional car insurance discounts.
- Your Gender : Studies show that women are less likely to be in accidents.
- Your Driving Record : How is your driving record? Do you have recent tickets or claims? They can increase car insurance rates.
- Your Car : What car do you drive – SUV or a sedan? How old is your car? How often does the car get stolen? How safe is the vehicle? Learn more about car related factors that impact car insurance costs what are the cheapest cars to insure.
- Car Usage : Do you use your car to drive to work? How many kilometers do you drive annually? Do you use your car for business?
- Where You Live : Insurers take where you live into consideration. If your neighbourhood has higher statistics for car theft and accidents, your insurance premiums will reflect the higher risk.
- Your Car Insurance Coverage And Deductible Amount : The type of coverage you select will also impact your rates. Choosing comprehensive insurance coverage over basic coverage. Adjusting your deductible amount for collision insurance or comprehensive insurance will impact the cost of car insurance premium.
Shopping Around for Auto Insurance in Ontario?
Don’t let car insurance send you over the edge when InsuranceHero.ca can save the day!
Our team of dedicated insurance advisors will guide you through a range of insurance options and help you choose features, deductibles and pricing best suited to your needs. Whether you’ve had auto insurance for several years or are just starting out, we can provide you with affordable insurance options without compromising your coverage. Let Insurance Hero help you protect one of your most expensive assets.
- We’ll shop for your insurance with over 12 insurance companies!
- Save up to 15% when combining with your home insurance
- One-stop shopping for all your insurance needs – Auto, Home, Business, Recreational, Travel, Life & Health
- Quick, easy and convenient access to your own insurance advisor
- Honest, unbiased, expert advice
- Ask a Hero about available discounts!
What Does Auto Insurance Cover?
Speak with a broker at Insurance Hero to discuss the best level of car insurance coverage you need. We will outline what your policy will cover and provide you with a quote appropriate to the coverage. There are a number of factors that contribute to the insurance rate such as the type of coverage, drivers’ history, age, driving frequency and distance, deductible preference, as well as the make and model of the vehicle.
In Ontario, the law requires drivers to have a certain amount of coverage, otherwise . This includes:
- Third-party liability: There needs to be a minimum of a $200,000 coverage, while most drivers opt for at least $1 million. This covers property damage or bodily injuries or death of other drivers.
- Basic accident benefits: In case of injury or death, you will be covered no matter who causes the accident. You will be covered for medical and rehabilitation expenses, loss of income and more.
You can also add-on other coverage to the mandatory policy. However, even optional benefits are not required by law, you may want to purchase them, or may be required to do so if you are leasing or financing a car. These include, but are not limited to:
- Comprehensive coverage for damage or loss due to theft, vandalism, explosions, falling objects, floods, lightning and more.
- Accident Forgiveness
- Rental Vehicle Coverage
- Roadside Assistance
- Disappearing Deductible Feature
- Replacement Cost Coverage
Best Car Insurance Rates
We compare the most competitive providers, to bring you the best car insurance rates in Canada. Enter your postal code into the widget below and click “Get Quote”, then we’ll ask you for some information about your car and give you a list of the lowest car insurance rates in your area.
What is Car Insurance?
In order to operate a vehicle in Canada, you need to have a valid car insurance policy in place at all times. Car insurance policy requirements vary from province to province, depending on the type of insurance system each is mandated by (public vs. private). However, you need to have a minimum amount of third-party liability insurance, to protect yourself financially in the event that you injure someone or damage their car/property. You’ll also need a minimum amount of accident benefits, which provides coverage for any medical/rehabilitation costs that resulted from an accident. You can also decide to buy more than the minimum amount required, as well as purchase additional coverage (such as comprehensive insurance) on top of your basic car insurance policy.
Why Compare Car Insurance Rates?
You might think that car insurance quotes for the same driver/car would be similar across all providers, but every car insurance company has its own costs to cover, based on data about all of their existing users/claims. Broken down, every car insurance company has a number of “risk groups” it divides people into, and they charge premiums based on the claims experience of each group. When an insurance company gathers information about you, their system places you into one of those groups – and a portion of your quote is based on the group you’re in. You can’t see what goes on behind the scenes, but the group you’re placed into and the premium that follows could vary greatly from company-to-company, which is why it’s wise to compare car insurance rates and see who can offer you the cheapest insurance.
How Car Insurance Rates are Calculated
Dozens of factors contribute to the total cost of your car insurance premium, all of which can be divided into four categories:
- Your driving profile
- Your coverage
- Your deductible
- Your car insurance provider
Based on the information you provide for your driving profile, the car insurance company will place you into one of its risk groups, which outlines the majority of the costs in the other points. You can read more about how car insurance rates are calculated on our site.
How to Save on Car Insurance
Car insurance rates vary from province-to-province, city-to-city and provider-to-provider. There are some costs you can’t control, such as the base rates determined by the public car insurance systems in British Columbia, Manitoba and Saskatchewan. However, there are a number of ways you can save money on your car insurance, including:
- Maintaining a safe driving record
- Increasing your deductible
- Making all payments on
- Asking for discounts
You can read about these tips and find more ways to save on car insurance on our site.
How to Buy Car Insurance
When you’re ready to buy a new car insurance policy, you can do so in person or over the phone, at a bank/credit union, insurance company or insurance brokerage. If you haven’t already done so, we always suggest you start by comparing car insurance rates online. We shop the most competitive providers to bring you a list of the best car insurance rates in Canada. Even if you don’t use one of the providers on our site, you should at least do this as part of your research, to make sure you know what’s available to you. Once you’ve picked and purchased the best car insurance coverage for you, the insurance company is responsible for providing you with a certificate of insurance to keep in your vehicle. The certificate lists details about the vehicle that’s insured, the coverage you have on it and the period of time which you are covered.
How to compare car insurance quotes
Before you buy auto insurance, here are some things you can do to save more.
When comparing prices, make sure you know exactly what’s included in your policy. Carefully check the coverage, deductibles and liability limits. While it’s always nice to save money, a lower-priced policy might cost you more in the long run if you discover later that it doesn’t have enough coverage for you and your family. Look for the insurance coverage that best matches your needs, not necessarily the one that costs less.
Check car insurance rankings
Before you buy or lease your next car, look at car insurance ranking lists to find popular vehicles with the best insurance value. Cars with lower-than-average insurance rankings are generally less expensive to insure.
Get a multi-product discount
Some car insurance companies offer a discount when you buy two or more products from them, such as home and car insurance, including The Co-operators.
Raise your deductible
The deductible is the amount you choose to pay for damages to your vehicle before your insurance kicks in. For example, if your deductible is $500 and you have $2,000 worth of damage, you’ll pay the first $500 of the car repair cost and your insurance company pays the rest.
Raising your deductible just a few hundred dollars could save you a lot of money. It typically costs less to pay a little more for a minor repair than to pay a higher premium over time.
Get less coverage on your older car
If you have an older car, you may not need Collision and Comprehensive coverage. Compare the cost of the insurance with what the car is worth. Auto dealers and banks can tell you the worth of a car, or look it up online on autoTRADER.
Take advantage of group insurance
Include group insurance plans as you compare car insurance quotes to find more discounts. Some employers, professional, business or alumni groups and other associations offer group plans for discounts on insurance rates.
Be a safe driver
Most car insurance companies offer better rates to clients who haven’t had any accidents or traffic violations for a number of years.
Drive a hybrid car
Do you drive a hybrid car? You’re eligible for an automatic five percent discount on your Co-operators car insurance premiums.
Other ways to save
Depending on where you live in Canada, you could get discounts if you:
- Install an anti-theft device in your car
- Insure more than one vehicle with the same company
- Have more vehicles and fewer drivers
- Renew your insurance with the same company
- Switch to four winter tires each year
- Enrol in the en-route Auto Program
If you own a vehicle of any kind, you probably know that insurance is required by law. Plans vary widely depending on your vehicle, how you use it and what province you live in.
Auto insurance requirements by province
Car insurance requirements in Canada depend on which province you live in and who you buy your insurance from.
If you live in British Columbia, Saskatchewan or Manitoba, your provincial government requires basic auto insurance that covers injury to yourself and passengers. Additional coverage is available from your insurer.
British Columbia and Manitoba
Purchase ICBC Autoplan insurance in British Columbia and MPI Autopac insurance in Manitoba from your Co-operators Financial Advisor. For more complete coverage, including insurance for theft or damage to your car, ask us about your coverage options.
Ask your local Financial Advisor for SGI insurance in Saskatchewan, which includes basic vehicle damage (with a deductible), personal injury and liability coverage up to $200,000. We also offer extended Third Party Liability coverage, and physical damage coverage at a lower deductible to reduce the amount you would pay if you have a claim.
If you live in Quebec, the provincial public automobile insurance plan covers you for injury or death due to an automobile accident, no matter who is at fault or where in the world the accident happened. However, under the Automobile Insurance Act, you also have to have third-party liability insurance of at least $50,000 for property damage. This protection, available from private insurers such as The Co-operators, covers any property damage caused to another party.
In all other provinces and territories (Alberta, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Ontario, Prince Edward Island or the Yukon) all car insurance is available only from private insurance companies like The Co-operators.
Learn more about insurance requirements in each province and territory.
What your auto insurance plan must include
While insurance plans vary by province, these are the most common types of insurance you must have before you can use your vehicle. Make sure you check the following when you compare auto insurance quotes:
Liability: If you are in a car accident and are held legally liable for other people’s injuries, or for damage to another person’s vehicle or property, your insurance company will pay up to the total amount listed on your policy. You are responsible for amounts above that limit.
Accident Benefits: This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of an auto accident. In some provinces, you may be entitled to additional benefits if you are someone’s caregiver. Accident Benefits are paid regardless of who was at fault in an accident. Not available in Quebec.
Uninsured Automobile: Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver. Not available in Quebec.
Direct Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car.
Your insurance company will look at the degree to which you are responsible for the accident and your deductible to determine how much compensation you will receive. You will be paid if you were partly or not at all responsible for the accident. Be sure to review your car insurance policy for specific details, restrictions and exclusions.
You may want additional coverage to be sure you’re fully protected in case of an automobile accident, theft or damage. Here are some coverage options to consider:
Collision: You’re covered for the cost of repairs or replacement of your car in the event of a collision where you are partially or totally at fault.
Specified Perils: This covers you for specific perils such as fire, lightning, theft*, windstorm, earthquake, hail, explosion, riot and others.
Comprehensive: With this option, you’re covered for any threat or danger other than collision, including theft*, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of you. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers.
*Comprehensive and Specified Perils do not insure your car against theft if a member of your household steals your car, or if an employee whose job involved using or maintaining the car steals your vehicle.
All Perils: This is the most complete Loss or Damage coverage available. All Perils combines Collision and Comprehensive coverage and protects against theft by a person who lives in your household or an employee who steals your vehicle.
The most popular combination is Collision and Comprehensive coverage.
Optional coverage with endorsements
For extra protection, add the following to your insurance policy:
Accident Forgiveness: If you have this coverage on your policy, your first accident won’t affect your insurance rates, provided you have been licensed and accident-free for six years. Not available separately in Quebec; already included in provincial coverage plan.
Loss of use: If your car is damaged in an accident, stolen or destroyed, this endorsement covers the costs of temporary transportation such as renting a car or taking a bus. You’ll be covered up to the maximum amount specified in your policy until your car is recovered, repaired or replaced, or your claim is settled.
Legal liability for damage to non-owned automobiles: This endorsement will cover you if you damage a car you don’t own while it was in your care and control, such as a rental car.
Family protection endorsement: Receive additional benefits if you’re involved in an accident with a driver who doesn’t have enough coverage to pay a claim for injury or death. This only applies if the other driver has less insurance coverage than you.
Limited waiver of depreciation: This coverage protects against the loss of value or depreciation of a new car if, as a result of an accident, your car is beyond repair and must be replaced. This coverage is only available during the first two years of a vehicle lease or ownership. You could receive an amount up to the price you paid for the vehicle or the manufacturer’s suggested price. You can only add this endorsement if you have insured your vehicle with Collision and Comprehensive coverage, Collision and Specified Perils coverage or All Perils coverage.
Additional coverage: You can also buy insurance for a stereo or other components installed in your vehicle.
To learn more about car insurance, visit the Insurance Bureau of Canada.
AUTO INSURANCE IN ONTARIO
Looking for auto insurance quotes in Ontario? Newman Insurance is the trusted car insurance broker of choice for Ontario drivers.
Let us help you find the right auto insurance policy for your cars, trucks, ATVs, motorcycles and more. And we’ll make sure you get all the discounts you qualify for.
We have ten different Ontario locations between Pickering and Ottawa. Come in and talk to one of our helpful auto insurance professionals today.
Getting you on your way with the right auto insurance coverage.
Whether you’re an everyday commuter, an occasional driver or use your car for business purposes, an Aon personal insurance broker will find you the right auto insurance coverage that fits your lifestyle. By partnering with many of Canada’s largest insurers, we provide our customers with options and value most others can’t offer. We do our best to make sure that lifestyle requirements, budget requirements and provincial requirements are always met.
It doesn’t end at cars. If you’re looking to insure a collector’s piece, antique, motorcycle or recreational, we’ve got you covered. Our extensive product offering will make sure that all of your assets will be well protected so you can concentrate on cruising the road ways.
Getting you the best value doesn’t stop at choice. There are many ways you can save with additional discounts available through Aon that include:
|Short commute||Age (mature driver)||Loyalty/stability|
|Hybrid vehicle||Claims Free||Monitored Tracking|
For further peace of mind, additional coverages may be added that will save you time and money in the long run.
- Driving record guarantee: your premium won’t go up after your first at-fault loss.
- Disappearing deductible: for each year you don’t have a claim, your deductible is reduced by 20%. After five years, it just disappears.
- Loss of use coverage: stay on the road with a rental car if your car is stolen or damaged.
- Accident benefits coverage: compensation for you and your passengers in the event of disability or death from an accident.
- Monitored driving discounts — minimum 10% savings for entering the program
- Earn AIR MILES® reward miles with select insurers
Insurance requirements vary by province, and there many options available for automobile owners when shopping for car insurance. Understanding these options will help you make informed decisions but remember, your Aon broker is always here to help. That’s what we’re here for — even if you end up buying your auto insurance elsewhere.
Liability insurance is mandatory insurance coverage that protects from damage that might be done by a driver while operating a vehicle including injury, death and property damage. It also includes coverage to protect drivers against financial losses they might suffer due to their own medical expenses, and the loss of income that they could incur if injured in an automobile accident while driving.
Collision coverage provides financial compensation for vehicle damages that happen because of a collision or accident with another vehicle or a stationery object. Often the most expensive components of an insurance policy, it varies depending on the vehicle, driver, and other factors.
Comprehensive coverage protects drivers against loss from events that aren’t directly related to the operation of the vehicle. These can include vandalism, theft, flying objects/debris or environmental conditions including flood and hail.
Let us make it easier
If you have questions or aren’t sure about the solutions available to you, we can help. You can get an online quote or talk to a personal insurance broker who will provide you with the answers to your concerns.
Why Compare Quotes at Insurance Hunter?
Auto insurance isn’t just nice to have — it’s mandatory! The good news is that Insurance Hunter can help you find the right car insurance coverage for the best price.
We use the latest quote comparison technology (with access to the top car insurance companies in Canada) and combine it with the best and most knowledgeable insurance professionals around.
And getting your quote couldn’t be easier: fill out the car insurance form on our website with a few of your driver details and we’ll find you 10 or more of the best personalized car insurance quotes available to you.
Once you’ve gotten your quote, one of our Insurance Hunters will help you review and finalize your policy and answer any questions you have. Our ‘hunters’ are licensed insurance professionals who have one goal in mind: to make sure you’re getting the right coverage at the lowest possible price. In fact, they’ll likely have some tips that could help save you even more money on your car insurance!
What to Expect From Insurance Hunter
Here’s what car insurance shoppers can expect from InsuranceHunter.ca:
- 10+ Car Insurance Quotes in 3 minutes or less
- Average car insurance savings of $200+
- Quotes from many of the top providers in your area
- Access to qualified, independent, fully-licensed insurance professionals that give unbiased advice
- No sales pitches or weird up-selling
- Always secure and private — your information is confidential and will never be shared or sold
- A service that’s available around the clock, 24/7!
Insurance Hunter Explains: Coverage
Don’t suffer from coverage confusion — here’s what you need to know about car insurance coverage in Canada:
Mandatory Auto Coverage
There’s coverage you should have, and then there’s coverage you must have. Mandatory Coverage comes in two parts:
Liability coverage pays for damages if you’re held legally responsible for harming someone while you’re driving. It also covers damage to the injured party’s property, including their vehicle and the contents inside it.
This coverage pays for the costs associated with funerals, healthcare expenses (rehab, surgery, etc.) and loss of income associated with the accident.
Optional Auto Coverage
Drivers usually take policies that include certain types of optional coverage too. There are many different types of Optional Coverage to choose from:
Collision coverage pays for damages if your car collides with an object (tree, fence, roadside debris, etc.) or another vehicle. Just make a claim and your repairs will be paid by insurance (minus any applicable deductible).
Comprehensive coverage is just that — comprehensive! Meaning it covers a lot of other random hazards that might damage your vehicle. What kind of damages, you ask? Try fire, theft, vandalism, falling objects — even lightning. This coverage is optional but our insurance hunters tend to recommend it because it offers drivers peace of mind. Random damages happen more than you think!
This coverage applies to damages resulting from a hazard named specifically in the policy. Want coverage for a specific type of hazard only? Specified perils coverage is the answer!
The total package. All Perils coverage gives you the full span of coverage — think of it basically as an unbeatable combination of Collision and Comprehensive. This is coverage for the type of person who wants their damages paid no matter what!
Temporary Vehicle Replacement/Loss of Use
If your vehicle is in the shop for an insured repair, this type of coverage pays for alternate transportation — usually a rental car or, if you prefer, a cab.
Think your car depreciates as soon as you drive it off the lot? Not with depreciation waiver coverage! If your vehicle is damaged in an accident, with depreciation waiver coverage your insurer will value your car as if it were brand new!
Insurance Hunter Explains: First things to do if you’re in an accident
- For a minor accident, move your vehicle off the road to a safe place that doesn’t interfere with traffic. In a major accident involving serious injuries or severe damage, leave your vehicle where it is and move to a safe location.
- Anytime your vehicle has sustained significant damage or someone has been injured, call 911 immediately.
- Turn your car’s engine off.
- Exchange insurance/contact information with the other driver
- Never admit fault, never accept money from another driver, and never sign any documents pertaining to the accident or who is at fault!
Insurance Hunter Explains: Making a claim
Making an insurance claim is never fun, but it doesn’t have to be stressful either. Get the straight goods from our insurance hunters on how to get your claims processed without a hassle.
Report the accident to law enforcement if someone is injured or if your damage appears to be significant (in most provinces, over $1000).
Gather driver information from the other parties involved in the accident. This includes names, addresses, license plates and phone numbers.
Call your insurer (the number will be on your paper insurance card) to inform them of the accident as soon as possible. They will help you from there and tell you what steps you need to take.
After the repairs to your vehicle are done, inspect the work and make sure you’re happy with it. And of course, keep all of your receipts!
Insurance Hunter Explains: How to save money on car insurance
Our insurance hunters know how to save you money on car insurance — that’s what they do!
These are 5 of their favourite tips:
- Shop around
- Get a higher deductible
- Reduce your coverage, especially on old cars with low replacement costs
- Drive a vehicle that’s cheap to insure (family sedans with low horsepower and lots of safety features are a good place to start)
- Take advantage of the various discounts your insurer offers (bundling discounts, low annual mileage discounts, safety feature discounts, driver monitoring device discounts and many more).
Insurance Hunter Explains: Getting Your License From Province to Province
Before insurance, there’s your license! Licensing and insurance regulations vary depending on which province you live in. This table gives you a quick overview of some of the key licensing requirements from province to province.
At Drayden Insurance, we will provide you with free, no obligation insurance quotes for your home, auto, business, farm, recreational and collector vehicles. Since we represent a number of Canadian and International Insurers, our knowledgeable brokers can offer you a greater choice and wider range of products, advice and terms tailored to suit your needs. With offices in Alberta, including Edmonton, auto insurance quotes, and advice on home insurance has never been easier. We can provide you with a complete analysis of your insurance policies to ensure proper coverage and see to it that you are receiving all applicable discounts.
Online Insurance Quotes Edmonton
To get started on free online insurance quotes for Edmonton and surrounding areas, please choose from the following five options:
- Auto Insurance Quotes: Shopping for auto insurance quotes in Edmonton? Our online estimator will give you an idea of how much your monthly insurance costs will be based on the vehicle you drive, your driving history, and the area you live in. You can also call or come into the closest Drayden office to speak to one of our knowledgeable professionals about your local insurance needs. Find local Edmonton car insurance quotes.
- Homeowner Insurance Quotes: Since your home is likely the biggest investment you make, it’s important to protect it. Homeowner’s insurance quotes include coverage like water, wind, hail, and fire damage as well as other perils.
- Condo Insurance Quotes
- Tenant Insurance Quotes (also known as Renters Insurance)
- Motorcycle Insurance Quotes: Thinking of purchasing a Motorcycle and looking to find out the insurance rates, the online estimator can give you an idea of the monthly costs.
For Business, Farm or Life Insurance quotes, please call or drop into your nearest Drayden Office to speak with one of our knowledgeable staff members.