When you start looking for auto insurance, a good rule to follow is you don't want to overpay. On the other hand, you don't want to skimp on coverage. As a driver, it's important that you have adequate insurance to protect you and your fellow passengers. Use these tips and frequently asked questions when shopping for auto insurance. And, compare quotes to get the best policies and prices!

How to Get an Auto Insurance Quote

As a driver, it is vital that you have insurance coverage anytime you're behind the wheel. Coverage protects you, your passengers and property. However, you also have to look out for other drivers and pedestrians. Hence, the importance of having adequate coverage when you drive.

Who to Contact for a Quote

Depending on the province you live in, you can shop for insurance for that particular location.

How to get an insurance quote:

- Get a quote online on an insurer's website. - Work with a dedicated insurance agent or broker directly. - Use a comparison site to compare quotes. This is the most convenient method and you can save the most money. Tip: Ontario drivers save an average of $600 every year by comparing rates. See how much you can save!

Questions to Ask about Auto Insurance

When you shop for insurance, you might make the mistake of asking for the "cheapest policy". This can leave you overexposed in a severe accident without adequate coverage. Fortunately, a few questions can help ensure you have the adequate level of coverage:

Do I have all the coverage I need for my province?

Mandatory coverage may vary depending on the province you live in. The required minimum for liability insurance in Canada is $200,000. While in Quebec, the minimum for liability coverage is $50,000. In Alberta, New Brunswick, Newfoundland Nova Scotia, Ontario, Prince Edward Island and Yukon, insurance is purchased through private auto insurers. Areas like Saskatchewan and BC have both government and private insurers that you can purchase insurance through. Rules are similar in Quebec where you can use a private insurer and a government agency. There is one exception. Civil liability is mandatory coverage that has to be purchased through the private sector. The Société de l'assurance automobile du Québec (SAAQ) provides coverage if you're in an accident in Quebec.

Are these the best discounts for my policy?

Insurance premiums can vary based on factors like age, driving history and gender. However, you may be eligible for a discount. Ask about discounts for: - Safe drivers with an excellent driving record. - Drivers that passed the collision avoidance course (British Columbia). - Driving a hybrid or electric car or vehicles with advanced safety features. - Bundled insurance packages or multi-car households. - Payment by electronic funds transfer or through payroll deduction. Tip: When shopping for a vehicle, avoid "high risk" cars that are prone to theft. These can raise your premiums. Instead, select from the best and cheapest cars to insure in Canada.

What types of policies are available?

There are three types of insurance coverage that are typically required. Minimum coverage amounts vary by province. Liability Coverage: This coverage protects you if you injure someone or cause damage to property when you're driving. The minimum amount varies by province. Note: You might be required to carry more than the minimum coverage. Injury or Death Coverage: This coverage helps if you're injured in an accident and lose your income due to sustained injuries. The benefits cover rehab, medical and other related expenses not covered by government insurance. The benefits can also help your family if your accident was fatal. The minimum coverage varies by province. It is not required in Newfoundland or Quebec. A standard policy is recommended while Ontarians can increase the type of coverage. Uninsured Motorist Coverage: This coverage provides benefits if you are injured in an accident by an uninsured driver. If the accident was fatal, benefits will go to your family to cover expenses. The minimum coverage varies by province. It is not available in Quebec. Standard coverage is recommended. Tip: In Canada, you don't have to purchase insurance for damage to your vehicle. However, it's recommended for new cars, leased vehicles or financed vehicles. Ensure your policy has collision and comprehensive coverage.

Ready to Find the Best Auto Insurance Rates?

Don't skimp on the coverage when you shop for new auto insurance. Ask your insurance professional about the required coverage for your province. And, use an auto insurance comparison site to compare policies and save the most money. With Kanetix.ca, drivers can compare auto insurance rates from over 50 of the best insurance providers in Canada. Compare quotes today! In Alberta, New Brunswick, Newfoundland Nova Scotia, Ontario, Prince Edward Island and Yukon, insurance is purchased through private auto insurers. Areas like Saskatchewan and BC have both government and private insurers that you can purchase insurance through. Rules are similar in Quebec where you can use a private insurer and a government agency. There is one exception. Civil liability is mandatory coverage that has to be purchased through the private sector. The Société de l'assurance automobile du Québec (SAAQ) provides coverage if you're in an accident in Quebec.

Are these the best discounts for my policy?

Insurance premiums can vary based on factors like age, driving history and gender. However, you may be eligible for a discount. Ask about discounts for: Safe drivers with an excellent driving record. Drivers that passed the collision avoidance course (British Columbia). Driving a hybrid or electric car or vehicles with advanced safety features. Bundled insurance packages or multi-car households. Payment by electronic funds transfer or through payroll deduction. Tip: When shopping for a vehicle, avoid "high risk" cars that are prone to theft. These can raise your premiums. Instead, select from the best and cheapest cars to insure in Canada. What types of policies are available? There are three types of insurance coverage that are typically required. Minimum coverage amounts vary by province. Liability Coverage: This coverage protects you if you injure someone or cause damage to property when you're driving. The minimum amount varies by province. Note: You might be required to carry more than the minimum coverage. Injury or Death Coverage: This coverage helps if you're injured in an accident and lose your income due to sustained injuries. The benefits cover rehab, medical and other related expenses not covered by government insurance. The benefits can also help your family if your accident was fatal. The minimum coverage varies by province. It is not required in Newfoundland or Quebec. A standard policy is recommended while Ontarians can increase the type of coverage. Uninsured Motorist Coverage: This coverage provides benefits if you are injured in an accident by an uninsured driver. If the accident was fatal, benefits will go to your family to cover expenses. The minimum coverage varies by province. It is not available in Quebec. Standard coverage is recommended. Tip: In Canada, you don't have to purchase insurance for damage to your vehicle. However, it's recommended for new cars, leased vehicles or financed vehicles. Ensure your policy has collision and comprehensive coverage.

Ready to Find the Best Auto Insurance Rates?

Don't skimp on the coverage when you shop for new auto insurance. Ask your insurance professional about the required coverage for your province. And, use an auto insurance comparison site to compare policies and save the most money. With Kanetix.ca, drivers can compare auto insurance rates from over 50 of the best insurance providers in Canada. Compare quotes today!
Back to top