Whether you’re looking to change insurers or find coverage for that brand new ride of yours, we make it easy for you to shave cash off your car insurance policy. We get it! Comparing car insurance quotes is time consuming and a pretty tedious thing to do. We know you’d rather be doing something fun. That’s why we’re here to help you find the right type of policy for you.
How much does car insurance cost?
The average cost of car insurance in Canada is $1,320 per year, or $110 a month, but rates vary based on your car, location, driving record, demographics and other reasons. The biggest factors that affect your rate include:
Your car’s make and model and the year you bought it are the biggest factors in your insurance rates. Its current value and whether you own it will also affect your coverage costs and how much coverage you need.
Your location is the second biggest factor for rates. Each province sets its own minimum insurance requirements, and even rates in different postal codes in the same city can vary by hundreds of dollars. Living in a high risk area can drive your rates up, like a big city or an area with a high rate of uninsured drivers.
Your demographics affect your rates more than you might think. Your rates are based on your age, gender, marital status, credit score and other factors that have nothing to do with your driving. Insurance companies use these factors to predict your risk level and set your rates.
Types of car insurance
Third-party liability insurance
The most basic policy. Third-party liability insurance provides coverage for any damages you may cause to someone else’s vehicle or property. It also covers losses like injury and death which your vehicle causes other people. This means if you smash into a Mercedes, you won’t be paying the repair costs from your pocket. However, it won’t cover the expense of repairing damages to your own vehicle.
Best for: Mandatory coverage for everyone
This level of insurance provides coverage for repairing or replacing your own vehicle if you hit another car or object. it could also protect you if you get into an accident with an uninsured motorist. It usually includes mandatory third-party coverage.
Best for: Those who want a bit more coverage for themselves and their vehicle without the price tag.
If you want premium coverage, this is the option for you. It’s the only policy type that offers “real, proper, actual” protection for your car. So if you love and care for your vehicle, this is probably the policy you want to opt for. It covers theft, vandalism, storms, flood, hail, fire, key replacement, emergency accommodation, rental cars, accidental damage (to name a few) – in addition to everything covered by cheaper policies.
Best for: Those who want peace of mind, knowing they have the highest coverage available.
How to compare auto insurance
Ever wonder why insurance policies and quotes are different for every provider? You might not be comparing equivalent rates. Make sure you’re comparing apples to apples to get the best insurance quotes.
Consider the biggest discounts. To get your business, many providers quote lowest possible price. It might, say, include a hefty 25% car insurance discount for buying online. However, other insurers might offer the same discount but not include it in your quote. While it’s good to consider discounts in your initial search, make sure you’re also considering the final price too.
Make sure you’re comparing apples to apples. When you’re comparing quotes, make sure you put in the same amount of info on each quote. Check to see if you’re getting any extra coverage or missing any discounts, and that the deductible and pay schedule are the same.
Look for specialist insurance. Driving for business, rideshare driving and adding on coverage can all affect your premiums. If you’re not getting good rates from the big national companies, look for a company that specializes in the coverage you need.
Balance the best coverage with the cheapest rates. The goal is to get the right coverage for you with the best deal. But consider every factor that might be important, such as how easy it will be to make claims, or whether you’ll pay extra for perks you need. It’s helpful to consider at least 2 to 3 of the cheapest quotes with the same level of coverage you need.
Consider customer satisfaction. While price is a big reason many people switch insurance, issues with billing or customer service are another big reason drivers shop around. When your’e comparing quotes, look into each company’s customer satisfaction ratings to avoid denied or lengthy claims
10 tips for getting cheap car insurance
No one wants to overpay for car insurance. And it’s hard to compare policies to get enough coverage at the right price. The best way to save is by shopping around.
1. Start with customized quotes. Different people can pay drastically different prices for car insurance even at the same company. Compare car insurance companies that can offer you the best deal for you individually, not across the board. You can also compare local insurance companies, which tend to have higher customer satisfaction rates than their big-name counterparts and could potentially have lower rates.
2. Hunt for discounts. Some insurers offer discounts to drivers for a variety of reasons such as having a clean record, paying an annual premium all at once or being a safe driver for a certain period of time. If the insurance company you’re with offers more than just auto insurance, consider bundling all your insurance through them, like home and car insurance. Most companies offer a group discount, even if it’s just for more than one car.
3. Get the right coverage for your car. Make sure you are getting the appropriate coverage for the car you’ve driving. Consider skipping collision or comprehensive coverage for an old car. The value of your car determines your maximum payout if it’s stolen or totaled, meaning these policies are not very useful for older vehicles.
4. Raise your deductible. A higher deductible means lower premiums, your monthly or annual price. But if you get in an accident, you will have to pay more than if your deductibles were lower. For example, if you have a $500 deductible on a $2,000 accident, you’d pay $500 before your insurance company covers the other $1,500. With a $1,000 deductible, you’re paying $1,000 and your insurer covers the remaining $1,000.
5. Look into pay-per-kilometre insurance. If you drive under a certain amount of kilometres every year, you can tell your insurance company and possibly qualify for a low mileage discount. This is a common discount that many drivers actually qualify for but are not aware of. If you only use your car for occasional short trips, you can sign up for a usage-based insurance program that determines your rates based on how much you drive.
6. Avoid accidents and tickets. These 2 are surefire ways to make your premium go through the roof. If you live in a high risk area or are prone to getting in accidents, look into a provider that offers accident forgiveness, where your first accident won’t make your premiums go up.
7. Take a defensive driving course. If you have a less than stellar driving record, sign up for a defensive driving class. Most insurers will give you a discount on your premiums. Your local provincial service centre can point you in the right direction.
8. Combine policies with your parents or spouse. Look into being a nominated driver on your parents’ insurance. Their rates might go up, but it could be less overall than keeping your solo policy. And because married drivers tend to file fewer claims, you’ll often get a discount on your premium just for getting engaged or married. Married couples can also save by combining their insurance on one policy to save money.
9. Check and maintain your credit history. Most auto insurance companies take your credit history into account for your pricing. The reasoning behind it? Research actually shows that people with a higher credit score tend to make fewer claims.
10. Choose the right car. Newer, cheaper cars tend to be cheaper to insure. Luxury cars have a higher sticker price and tend to cost more for as long as you use it. It’s worth buying a cheaper car, especially if you’re a young driver. If you haven’t purchased a car yet or are getting ready to shop for a different car, compare insurance prices for car models you’re interested in. The insurance price differences might surprise you.
There are many reasons why you might want to leave your current insurer.
Your circumstances might have changed; you might be paying a bucket load, or maybe you’re just fed up with their customer service. We get it! If you’re unhappy, there’s no reason why you can’t switch to another company.
There are a few times where you should actively consider changing policy. If your circumstances have changed, chances are, your premiums may alter too. Consider finding a new insurer when:
Your policy comes up for renewal
You change cars
You move into another home
The number of drivers using your car changes
You’ve just celebrated a birthday
Your driving record has changed
Why changing insurers isn’t that hard
So, you figure out you’re excessively charged for your car insurance. You’re probably thinking about switching, and if you’re not, maybe you should. There’s a common misconception that changing car insurance is a huge hassle. In reality, it isn’t as hard as you think.
Here’s how to do it.
Step 1: Find a new car insurance policy
Before you abandon ship, it’s a good idea to have another one you can climb aboard first. Compare car insurance policies side-by-side. Be sure to consider not just price but what features you need in a policy and how much coverage you want, especially if you’re looking at a comprehensive policy.
Step 2: Take out the new policy before you cancel the old one
When do you want to switch? Some people prefer to do it so they can benefit from discounts from their new company, while others like to change at the end of the payment period. If you’re switching companies mid-policy, take note of the cancellation fee. This fee is usually in your policy documentation, so check it out to see how much you need to pay. Before you cancel your old policy, make sure you accept the new policy and have the letter of confirmation from the insurer. This prevents you being without coverage while you change over.
Step 3: Cancel your old policy.
Inform your old insurer in writing that you are cancelling your policy. Ensure you receive written confirmation that the policy is cancelled. Aim for your new policy to take effect on the same day your old policy is cancelled.
Step 4: Profit!
Enjoy the benefits that come with switching to a better policy. Go out and buy yourself something fantastic!
Still not sure? Your questions about car insurance answered
Finding the right coverage
In car insurance, customer service means much more than a smile as they fill out the paperwork. It means being able to depend on your insurer in the event of a claim, and knowing the next time you speak to them, you might be having a terrible day. It can help to focus on the essential factors, including:
Response times: How can you contact the insurer, no matter where or when? This includes how long it takes the customer service team to pick up the phone when you call; how quickly you can expect a response to online or email inquiries and how long it usually takes the insurer to assess and pay claims. It can be a good idea to avoid insurers that aren’t available 24 hours a day, 7 days a week, all-year around.
Claims options: If you needed to make a claim now, what would you do? If you have a preference for online claims or want to use an app, it is a good idea to look for insurers that offer these options. If you think you prefer to claim over the phone or in person, consider what exactly this involves.
Communication: Does the insurer stay in touch throughout the claims process? This can be a significant difference when you make a claim, as you don’t want to chase them for updates. Let them keep you in the loop instead.
Policy flexibility: How can you adjust your policy? Flexibility encompasses not only the options available to you but also the ease with which you can take advantage of them and the responsiveness of your insurer.
Partnered service quality: What’s the quality of the insurer’s service partners? Free roadside assistance may not be much use if it’s not available in your area. However, towing, vehicle storage, glass and windscreen replacement and other repairs all typically involve the use of partnered service providers. It can be a good idea to compare the quality of these and look for relevant reviews.
The ideal car insurance policy is one with an affordable price tag and the right amount of coverage for your needs. If you have too much protection, you’ll be over-insured and spend more than you need. If you have too little, you’ll be under-insured and not efficiently protected.
The trick is to find the right balance of cost and coverage for your needs. Try running through this car insurance, buying checklist to discover your next policy.
Car insurance buying guide
Here’s a quick walk through how to find the right car insurance. The 3 steps are deciding, comparing and buying.
Decide on your coverage type. What type of coverage do I need? Comprehensive, collision, and third-party liability insurance policies all offer different types of protection. You should know what kind of insurance you’re looking for before comparing policies.
Consider special coverage types. If you want less than 12 months of insurance coverage, you may want to look at short-term car insurance. If the general market value of your vehicle isn’t an accurate reflection of its worth, for example if it’s modified, then you will probably want to narrow your search to agreed value car insurance providers.
Work out your preferred deductible. Consider how much you are willing and can pay for your deductible in the event of a claim. Think of this amount as the damage threshold, which determines whether or not you’ll claim if something happens. You often have the option to choose your own deductible, but try to stick to the amount that you decide works for you.
Consider the options. There is a range of choices available. Some of the useful bonuses to think about are roadside assistance; lock and key replacements and excess-free windscreen and glass replacements. If you have a new car, you might want to check a policy’s new for old replacement terms.
Once you decide what you need, you can start comparing suitable options.
Compare prices and discounts. Get quotes from different insurers and compare prices. As you do, make sure you look at equivalent quotes, with a similar excess in all cases and whether your quote has automatically added the various car insurance discounts. Sometimes an estimate that initially seems higher is actually cheaper after adding a discount. Multiple excesses often apply, so you need to look at these in detail and make sure you understand those that may apply in the event of a claim.
Compare the coverage. You naturally want to make sure you compare the same type of car insurance in all cases, as well as considering the extras and other benefits, like roadside assistance or lock and key replacement.
Compare the fine print. Read the fine print of your car insurance policy. You want to look at the benefits and coverage in detail, but don’t want to overlook some of the less obvious differences, such as the exact claims process; what evidence you need to provide. If any beginner drivers will get behind the wheel, or if multiple people will drive your car, it’s also worth looking at the conditions that may apply.
After this, you might be ready to start buying.
Nominate or restrict drivers. If no one under 25 will ever drive your car, it can be worth restricting drivers on your policy to receive lower premiums. If you know precisely who will be driving your car, you may be able to nominate specific drivers.
Opt-in or out of extras. Are you able to opt out of unwanted extras to save money, or choose desirable ones?
Remember that you can switch later. There’s a cool-off period after taking out a policy where you can cancel for a refund (provided you haven’t made any claims), and will also be able to switch policies later. A car insurance “lazy tax” might apply if you get complacent, so it can pay to get more car insurance quotes regularly, before renewal time.
Applying for car insurance involves first getting a quote, then the application process itself.
Getting a quote
The quote process differs depending on the insurance brand, though most follow similar steps to the ones listed below:
Specify what policy you want and when you want it to start: Comprehensive, collision or third-party liability.
Input your vehicle type, including non-standard modifications and accessories; if the vehicle is for business or personal use, and if you want to insure it for an agreed or market value.
Enter your details and the details of any drivers.
Choose any policy extras and decide if you want to increase your excess to reduce the premiums.
Once you’re happy with how much you’ll spend each year or month, you have to go through the application process, which will go through the same steps as above but in further detail.
When this is complete, you make your payment, and the policy will start on the date specified.
The information you must disclose when applying
While it may be tempting to avoid revealing details about your vehicle or driving history from your insurance brand, in doing so you only risk them rejecting a claim in the event you actually have an accident. Insurance companies go to great lengths to verify the information you provide in the event of a claim.
Driving convictions. Many motoring convictions are removed from your licence before you are considered rehabilitated. However, from a legal standpoint, you still have to inform the insurance company of any convictions for which you haven’t been rehabilitated.
Other criminal convictions. If you have any other criminal convictions, you must let the insurer know, as they can determine the level of premium you have to pay or the terms they offer you. If you don’t inform them, you may find yourself with a policy that is not valid.
Vehicle incidents. Most insurance companies require you to reveal your entire vehicular incident history, which not only refers to claims you have lodged yourself or have been lodged against you but also those about any other person driving on your policy. Such incidents could be accidents, joy riding, vandalism, damage to the windscreen, fire or theft.
Alterations. Most insurance companies require you to reveal any changes you have made to your car. Even if these alterations do not affect the performance of the vehicle, they may make it more valuable or increase the chances of it being stolen. Things like, installing specialty exhausts or tinting windows, which otherwise do not affect the performance of the vehicle, are considered changes of which you must inform your insurer. While this might seem strange, the fact is insurance companies have found people who make alterations to their vehicles statistically tend to have a greater likelihood of being involved in a claim.
If any of the requirements that must be disclosed to your insurer seem unclear, it’s always worth giving them a call to verify the details and ensure you are adequately covered. Keep these details with the rest of your insurance documentation, in the event you have to provide future proof that you did as you were required.
An deductible is the charge you are required to pay on every claim you make. For example, if the rear and front of your car are damaged in two separate situations, you are required to make two claims, which means you need to pay a deductible for each claim you make. The total amount you have to pay depends on the conditions under which you make a claim.
If the insurance company agrees you or your vehicle were not to blame for the accident, and you can provide the contact information of the other driver or the registration number of the other car, some companies will waive the deductible.
The amount covered, represents the maximum sum an insurance company will pay for the damage or loss of your vehicle, minus applicable deductions, unless otherwise stated in the policy. This amount includes the entire value of the car, along with alterations and accessories and includes GST.
You’ll need to check with your policy provider when you’re comparing.
Purchasing, renewing or cancelling your policy
You have the option of paying your premiums either bi-weekly, monthly or an annual basis. In some cases, paying bi-weekly or monthly installments raises the total amount you pay each year.
If the insurance company is willing to renew your policy, in most cases you are notified a minimum of 14 days before the expiration date of your policy. The notice usually includes how much you have to pay, as well as when you have to pay. If you pay your premiums fortnightly or monthly, you won’t have to do anything as the company will continue to draw payment for your account on the same date each month. However, if you pay your premium as an annual lump sum, you should talk to your insurance company to see how you can make the payment.
If your renewal doesn’t contain the correct information, you should get in touch with your insurer, as you have to make sure all your information is updated and accurate. If you don’t take action, to inform your insurer about any change to your circumstances that you are fully aware is relevant to your policy, you might end up with a reduced payout on a claim or no payout at all. Furthermore, your policy might be cancelled and if fraud is suspected, the insurance company may act as if the policy never existed.
In most cases, a car insurance policy can be cancelled by calling the insurance company or sending a written cancellation. Usually, if you cancel your policy outside the cooling off period, you receive a refund consisting of the portion of your premium that has not yet expired, after the cancellation fee (if any) has been deducted.
Typically, your insurance company will help with getting your vehicle repaired. Depending on the insurer, you will be sent to one of its assessment centres or a recommended repairer, or you can use the repairer of your choice. In either case, an assessment is performed and repairs organised. Ensure you check your policy to see if you can choose your own repairer.
You should contact your insurance company immediately, if you receive a letter making demands from another person involved in an event, even if it’s from their insurer or legal representative.
If contact is initiated verbally, then inform the other party who your insurance company is and let them know the insurer will handle the claim. At no point, should you admit you were to blame for the damage or accident and you should certainly not make promises regarding covering their expenses.
Write down as much information as possible about the other party, including their name; place of residence; telephone number and vehicle information. Then get in touch with your insurance company to let them know what has occurred, so that they can help you with the process.
No. Some insurance companies will not provide coverage for vehicles such as:
Classic and vintage cars
Commuter buses that can carry more than 12 passengers
Vehicles that are damaged
Vehicles that were formerly ambulances or taxis
Privately imported vehicles
Vans built for special purposes, like fire rescue vans
Vehicles that can carry over 2 tonnes
If you aren’t sure whether your vehicle is eligible, it’s best to contact the insurance company directly and see what they say. There are also limitations in terms of what a vehicle will be used for. Many insurance companies will not provide coverage if the vehicle in question is used:
As a courtesy car
For the transportation of inflammable liquids, explosives, chemicals, dangerous goods
In time trials
In a racing competition or rally
For taxi services
For hire services
As a demo vehicle
Again, not all of these will apply to every insurer, so your best option is to contact the insurance company direct and see what they say regarding your particular vehicle and its usage.
As long as you give enough notice, most standard car insurance policies will let you cancel at any time. Bear in mind, a cancellation fee may apply, unless you’re switching to another policy with the same brand, or you’re within the cooling-off period.
What you will/won’t be covered for
While this varies between insurers, usually a learner driver is covered by a car insurance policy as long as there is an instructing passenger in the front seat who is a fully licensed driver. In some cases, you don’t have to pay an additional premium but if the learner driver has an accident, you might have to pay an age or inexperience excess or both.
Most car insurance policies also cover international drivers, as long as they can legally drive and have a valid licence. Of course, they must abide by the terms and conditions of the policy.
If you drive while pregnant, it won’t affect your policy unless you’ve been advised to refrain from driving or your pregnancy could negatively impact your capacity to drive. To ensure you are fully able to drive, it is a good idea to consult your doctor.
Some insurance companies take things a step further than simply handling your claim. Some insurers offer a valet service, where they take care of all the details. Also, if your car can be driven safely, they will deliver it to where it needs to be. Typically, such perks are only available with comprehensive policies.
Some insurance companies offer particular benefits for children if you are an existing customer. If your child wants to insure their vehicle with the same company, they might receive a rating for every year they have been driving and haven’t made a claim. Check with your insurance company, as some offer additional perks such as free one-day skilled drivers courses, which are meant to help with their driving skills and insurers offer discounts after completing the course.
To change any information about the registration of your car or the regular driver, you have to contact the insurance company. You need to give them the number of your policy and/or the registration number of your vehicle; your mailing address (which must coincide with the address on the policy), and your birth date when submitting your request.
Some details you may have to provide when changing the particulars of a regular driver include:
The frequency with which the person will be driving the car
What they will use the vehicle for
Their name, gender and date of birth
How long they have held their licence
Accident and claims history for the past three years. If there are such events, you must supply details of the accident, whether or not they were at fault and when it occurred.
Whether the driver has lost their licence, had it suspended or cancelled. If yes, you will need to provide details.
If you intend to alter your vehicle in any way that makes it different from the standard model, which includes adding non-standard accessories, you have to contact the insurance company. You need to provide your insurer with a list of the alterations and accessories, along with their monetary value. You also have the option to remove alterations and accessories from your policy by contacting the insurance company.
Some insurance companies provide their customers with a rental car for a limited period if their vehicle has been stolen. There may be the possibility of pre-purchasing a “discount rental car benefit” or “comprehensive rental car benefit”, which ensures you have access to a hire car while your vehicle is being repaired from damage caused in an accident.
Most insurance companies will not cover tools of trade under a car insurance policy, meaning you will have to seek the services of a specialist insurer.
Regarding trailers, some companies offer a limited degree of coverage for accidental damage caused to a trailer if it was connected to your vehicle.
Most car insurance policies only provide coverage while your vehicle is being driven in the country you bought the policy. If you’re overseas, the policy doesn’t cover the vehicle or the personal liability of the driver.
In some cases, the damage to a vehicle is so severe it’s not economical or safe to repair it. If the insurer feels this is the situation, your vehicle is declared a write-off and you will receive the amount covered or the agreed value.
If you have comprehensive insurance, some policies allow for the replacement of your car with a new vehicle and coverage of on-road costs, if your original vehicle was declared a write-off after being stolen or damaged within the first 2 years of its initial registration.
Some insurance policies provide coverage for your vehicle if you are driving off-road, but you do have to take some precautions to make sure your car is safe.
The sum insured that has been agreed upon between you and the insurer at the time of application or renewal
Recognized as the expected value of your car on the open market
This is not the trade-in value or what it would be purchased for by a collector
Will pay what your car is deemed to be valued for at the time of the accident
This may not include warranty costs; vehicle transfer costs; stamp duty or dealer profit
Should I choose the agreed value or market value? So market value or agreed value?
When deciding if the market value is right for you, you need to consider if the reduced amount is enough to replace your lost vehicle. Is the money you save on your premium, worth the additional cost you will have to pay to purchase a new vehicle?
That said, if you drive an older vehicle (say 10 to 15 years old), replacement cost may not be much of a concern, so it makes sense to save on the premium.
There are certain restrictions when it comes to the type of coverage a car insurance policy offers. While these vary between insurance companies, some include:
You are not covered if the accident was caused by a fault with your vehicle, that you were aware of and chose to ignore.
You are not covered if your car was damaged during a race, trial, test, competition or similar arena.
You are not covered if your car was lost or damaged with intent, either by you or a person acting on your behalf.
You are not covered for any further loss or damage caused to your vehicle, if you drive it after it has been in an accident.
Car insurance is a fundamental way to protect your asset and stay out of debt, so be sure you know what your policy covers, and how it works in the event of an accident.
Roslyn McKenna is an insurance publisher for finder.com, where she's driven to help people get a great deal on car, life, home and other insurance to protect their families and finances. Roslyn earned a Bachelor of Arts in writing and communications from Maryville College and has written professionally for more than a decade on topics ranging from technology and pets to finance and insurance.
Aviva car insuranceAviva lets you customize your auto coverage and bundle it with home coverage for one low monthly fee.
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