Here’s the skinny, car insurance is not the same across Canada. Many provinces have very different regulations about how you insure your
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Comparing prices from multiple insurers before choosing auto insurance can save you hundreds of dollars each year. Here are 4 steps to follow.
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Frequently asked questions about auto insurance
Does auto insurance will allow me to buy a new car if my car is totaled in an accident?
The type of insurance policy you have will determine whether or not your auto insurance provider will cover the cost of a new vehicle if your car gets totalled. If you only have basic liability coverage, your insurance provider will not replace your vehicle. However, if you opted-in for standard collision coverage and your car is totalled in an accident, your insurance provider will generally give you a payout equal to the current market value of your vehicle at the time the accident occured, minus your deductible. When determining the value of your vehicle, your insurance provider will take into consideration the model, the year and the kilometres, along with any after market features and the condition of your vehicle before the accident occured. They will compare that to the average selling price of similar vehicles in your area. The payout you receive should be enough to purchase a used car with similar characteristics or for a down payment on a brand new car. That said, it is possible to opt for a comprehensive coverage with a replacement cost clause, which means that your insurer give you enough money to buy the same car that was totaled, but brand new.
Do online insurers offer better prices on car insurance?
Online insurers often offer lower prices for certain car insurance products. That’s because they underwrite their own policies and provide them directly to you. They do not partner with insurance brokers, so they don’t pay out broker commissions. However, their insurance products tend to be limited and more “one size fits all.” While you should definetely get quotes from online insurers, you also should compare them with other quotes to make sure you are choosing the right option. That’s why it’s important to use our online comparison tool so you can find the right coverage for you needs at the best possible price.
Do we always save money by combining home and auto insurance from the same insurer?
Bundling your home and auto insurance is a great way to save money if you want to stay with your current provider. However, you could be missing out on even better prices by staying with one provider without asking questions. Before you bundle your home and auto insurance, you should shop around for rates and get a few quotes. The best place to start is with our online comparison tool.
Is it possible to estimate the price of car insurance without getting a quote?
It is possible to estimate the cost of car insurance with an online estimation tool without getting an insurance quote. However, those estimates are often inaccurate and differ considerably from the actual premiums you will pay. That's because they use very limited information about the car to generate an estimate. When it comes time to buy insurance, your provider will require a lot more information from you in order to determine the true cost of the coverage you need. Your car insurance premiums are determined by many factors including: driving history, age, gender, location, as well as the make, model, year, kilometres, and condition of the vehicle.
What car models are usually associated with cheaper car insurance?
The cost of your coverage is determined by several factors such as your age, gender, driving history as well as the make and model of the car you want to insure. Typically, cars that are more expensive to insure have lower safety ratings, high repair costs, and a higher rate of claims for theft and accidents compared to similar vehicles. Historically, the cheapest cars to insure in Canada are older sedans from reputable makers like Honda, Nissan and Toyota.
What is the best car insurance for students in Canada?
The best option for a student seeking to insure a car would be to get covered under their parent's policy. Indeed, many Canadian insurers allow students to be covered under their parents' policy until a specific age, typically 21 or 25, as long as they are enrolled in a post-secondary education program. If this option is not available, students must at least puchase liability auto insurance. In Canada, everyone is legally required to have third-party liability insurance in the event they hurt or kill someone, or damage their property in an accident. Additional coverage, like collision or comprehensive coverage, will offer more protection benefits, but it costs more.
Can I insure my car even if I have a bad credit rating?
In Canada, it is illegal for a car insurance provider to deny basic car insurance coverage based on your credit score. However, many provinces allow car insurance companies to use your credit score as part of their risk assessment. That means a car insurance provider can charge higher premiums for those with below average or poor credit scores. Many providers argue that individuals with strong credit scores are more likely to drive safely and take care of their vehicles. Right now, only Ontario and Newfoundland prohibit car insurance companies from accessing your credit file.
What is the best car insurance company in Canada?
There isn't a single-best car insurance company in Canada. The best car insurance provider is the one that can offer you the coverage you need at the best possible price. That's why it is so important to shop get quotes from more than one brokers using tool such as Hardbacon's auto-insurance comparison tool. You'll be able compare quotes from different insurance providers. Then, you can make an informed decision and lock in a competitive rate with the right provider for your needs.
How can I find the best price for car insurance?
Our car-insurance comparison tool will help you find the lowest possible price for your coverage needs. We'll just ask you a few quick questions about your driving history and details about the car you want to insure. Then we'll instantly provide you with multiple quotes based on the information you gave us. With our online comparison tool you can quickly and easily find the best quote for your car insurance needs.
Is it mandatory to have car insurance in Canada?
In Canada, you are legally required to have third-party liability insurance if you plan to get behind the wheel of a car. However, each individual province has different regulations that determine the extent of what is covered within the minimum required insurance coverage. And each province has a different way of supplying coverage to motorists: public insurance supplied by a government-owned corporation, insurance supplied by several private for-profit insurance companies, or a mix of both.
You will need to shop around for your own minimum required car insurance coverage if you live in:
Alberta, New Brunswick, New Foundland and Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, PEI, or the Yukon.
If you live in British Columbia, Manitoba, or Saskatchewan you do not need to shop around. The minimum required insurance coverage is supplied to drivers through a provincially owned public insurance corporation.
In Quebec, all motorists have liability insurance coverage provided by the government that is limited to bodily injury. However, Quebecers must turn to private insurers to obtain at least $50,000 in liability coverage for property damage caused to others.