Ever wanted to find the best car insurance in Canada? Like many other people in this age, your vehicle is no doubt an essential part of your daily life. Going to work without it is almost unimaginable, same as going to get groceries in a cab. This is the more reason why you need to get the best protection possible for your car. With Aviva, you can rest assured that somebody, somewhere has got you covered. Getting the perfect car insurance just got simpler. Your type of car does not matter here, be it an SUV, a truck or a minivan, you can always trust Aviva for your car insurance. Their coverage is flexible and you can easily customize it to suit your needs, whether all you want is basic insurance or a more expanded coverage with features like rental car insurance or roadside assistance. Their services are top-notch and they are available round the clock. Aviva has a Claims Service Satisfaction Guarantee that always strives to get you up and about in no time at all.
What affects your car insurance rate?
Different strokes for different folks is the approach we use when talking about your car insurance rate in Canada. A lot of factors are considered in determining the price of insurance for any driver. The factors include:
- The nature of coverage desired and the accompanying deductible(s)
- The model of your vehicle, its make, and year of production
- Your level of use
- Your mileage per year
- Number of drivers being insured
- Your driving experience as well as the experience of the other drivers being insured
What kind of savings can you get with car insurance offers?
Every customer wants the best auto coverage at the cheapest possible price. This is exactly what Aviva offer: extremely flexible coverage with unbeatable reliability and savings. Various discounts are also on offer, meaning you can save even much more. You are eligible for a discount if:
- You bundle your home and auto policies with Aviva
- You are a retiree
- You are insuring more than one vehicle with Aviva
- You are able to maintain a clean driving experience
Types of Car insurance coverage
Choosing a particular category/type of coverage depends majorly on the level of protection desired for your car.
- Collision and Upset coverage cover the cost of repair in case of collision with another vehicle or objects such as street lights.
- Formerly referred to as Comprehensive coverage, ‘Coverage against perils other than collision or upset’ covers against unforeseen occurrences such as theft, vandalism, fire or natural disasters.
- The two coverages mentioned above are comfortably granted under ‘All perils protection’
- Specific perils coverage selectively covers some dangers such as attempted theft, actual theft, civil disturbances, riots, or some natural disasters.
Vehicle-based car insurance coverage
The laws of Canada have made obtaining car insurance liability coverage compulsory for all vehicles. There are, however, still other factors that should be considered to get an ideal vehicle-based coverage. The type of vehicle about to be insured is one of the major determinants of the nature or type of insurance needed. Owners of a new car, for example, tend to prefer policies that offer the total cost of replacement or repair if the car is involved in an accident.
Car Insurance Coverage Based on Your Driving Habits
Your frequency of driving and driving record should also be considered before opting for an insurance coverage. ‘Intact Insurance’ is designed for drivers with a clean record and we will take care of your first at-fault accident if you are under this coverage. In addition to that, there will be no increase in your premium as a direct consequence of the accident. Your driving record is also unaltered if you are currently on an Intact Insurance auto insurance policy. During a second at-fault accident, Intact insurance treats the accident as if it was your first and your driving record is altered to show one at-fault accident.
Minor Conviction Protection
Many people have their premiums skyrocket simply because of a speeding ticket. If you are concerned about how a minor conviction could affect your premium, you can put your mind to rest by choosing our Minor Conviction Protection. If you are under this coverage, your first minor conviction will have no influence on your premium. My Driving Discount This special program is designed to reward drivers who consistently put safety first. As much as 25% of your premium could be saved if you are found to have ‘good driving behaviour’ Uber Ridesharing There’s great news for Uber drivers in Ontario! A commercial policy that offers coverage right from the moment an Uber ride request is accepted to the moment the passenger exits the vehicle is on offer under ‘Intact’. Turo Car Sharing By now you should already be aware of Turo, the online marketplace that allows private car owners put their car to use when they do not need it, affording extra income. Turo is perfectly safe and the final decision of whether a person borrows your car or not lies with you. Get the best value for your money with car insurance and home insurance bundles from Intact insurance Car insurance has never been simpler. Just a single bill, no multiple payments, and only one renewal date also. Savings and payments on your car insurance At Intact Insurance, our goal is to ensure all drivers are met at their points of need. We collaborate with independent brokers to get the coverage and a premium amount that suits you best. You can always contact a broker if you are finding it difficult to understand the myriad of coverage options available. A wide array of payment methods has also been provided, just for your convenience. Car insurance claims Though it’s true everyone wishes for an accident-free driving experience, we cannot all get what we wish for. In case of any eventuality, you may need to make a car insurance claim. We strongly believe making your claim and getting a response should not be an arduous task. 30 Minute Claims Guarantee Our effective and efficient claim representatives are always on hand to listen to your claims. You can be assured that you claim would be initiated within 30 minutes of calling in.
Finding the best car insurance in Canada is not just about complying with the law. It’s also about making sure you’re protected against loss of your property.
Auto insurance in Canada is a policy that vehicle owners in Canada purchase in order to mitigate costs that are associated with getting into an automotive accident. Instead of paying for it from their own pockets, drivers pay premiums annually to a company that offers auto insurance in Canada. This company then takes care of either all or most of the charges that are associated with the automotive accident or any other vehicle damage.
Of course, protection comes with a price. But that doesn’t mean paying whatever the insurance company asks. There are ways to make sure you only pay the best rates possible and still get the right policy for you. Today, we’ll help you get exactly that.
What to Look for in the Best Car Insurance Rates
What should you check the moment you start shopping around for an insurance service?
Everybody hunting for a car insurance has a working budget. This budget, however, is not a figure you produce out of thin air. Do some research on what the standard rates are. Find out what family and friends paid when they got their own insurance. Base your own budget on that. Then look for the provider that will offer rates that come closest to it. We have detailed comparisons on our website, so you can actually compare and get a quote for insurance online.
Just to be clear – going for the lowest rate is not always the best option. You may save a few dollars on insurance now. But will these few dollars save money on loss of property later on? The most expensive policy is not always the best, either. It may offer a few perks here and there, but you probably won’t really most of those inclusions. This is why you also have to look at what your insurance offers to make sure what you’re paying for is worth it.
How seamless are your transactions with the insurance provider? The key here is not just speed, but overall efficiency. A certain insurance company may have speedy processes. But if this comes with a number of mistakes along the way, start thinking twice.
How easily can you contact the company’s customer service hotline? Was the representative able to answer your questions? How quickly do they respond to inquiries? All these things will matter, especially when it’s time to file a claim. You wouldn’t want to get caught in the middle of an emergency without anybody from the company answering your calls.
These are the most important factors you should think about when choosing auto insurance. You can create side-by-side comparisons to help you how specific companies compare. This should give you a good picture of who does what best.
Tips for Getting the Best Car Insurance Rates
Shopping for auto insurance is not exactly as easy as 1, 2, 3, but these tips could help you come up with the best possible decision that would eventually save you from unnecessary costs, burdens and headaches.
Don’t just settle for the first insurance provider you find online. Get quotes and rates from all the insurers you find. As we mentioned before, you can get a quote online, so that part has gotten easier. See what everyone has to offer. You can ask questions before getting car insurance. Once you have all the info you need, start eliminating. This is a much better approach than going for the most popular or cheapest policy right away. Comparison shopping will keep you from ending up not having the kind of car insurance that you really need or paying too much for something you don’t need at all.
Be a better driver.
Yes, the way you drive can greatly affect your car insurance rates. The more accidents you get into, the riskier you are to insure. Traffic tickets have a great impact on insurance rates. This means that the rates will also go up for you. If you keep your driving record clean and fix your bad driving habits, the risks of ensuring you are lower. Therefore, car insurance providers will also be able to give you amazing rates.
Pay on time.
Who doesn’t love great customers? If car insurers see that you pay on time, they will most likely trust you more. Insurers give better rates to those who pay reliably. Be sure to include car insurance payments in your budget so you’re sure to have the money ready.
Take note of your coverage needs.
Some people think that the smallest possible coverage is best for them mostly because it’s cheaper. Some go for the most comprehensive coverage possible because it makes them feel safer. However, these far ends of the pole do not necessarily meet your needs.
Use what is required by the law as a base. Although the minimum for most car insurances in Canada is $200,000, this does not mean you should stick to this. Some areas also have lower minimums, such as Quebec (where the minimum is $50,000). It is often advisable to get coverage higher than the minimum to be safe. Another factor to consider is the age of your car. If it’s fairly new, you might want to add coverage for damages to your own vehicle.
Note that just because a friend of yours got a specific coverage does not mean the same will work for you, too. You may have different vehicles, different driving styles, different driving behaviours, etc.
Add safety features to your vehicle.
Car insurance providers love it when you’re obviously taking all necessary precautions. Make sure you have a decent alarm system installed. Winter tires would also help when the season for them comes along. These are clear signs that you’re not the type who would invite accidents to occur. It shows that you are careful and are least likely be involved in huge accidents.
Consider bundling policies
Your car insurance may not be the only type of insurance you need. What if you also need insurance for your home? Your motorcycle? Your other properties? A lot of insurance providers offer bundled packages to clients who need more than one kind of coverage. The best thing about this is that you won’t have to talk to different people from different insurance companies. It’s always easier to deal with a single person for a number of needs.
Remember that the key here is a proper balance. It’s all about matching the right price to the right coverage. It’s about looking at your specific needs and matching a company that will give you solutions at a competitive price.
Different Types of Coverage
Of course, one of the most important steps to getting car insurance is knowing what kind of coverage you need. In Canada, these are your options:
This is the most basic coverage required by law. It covers:
- Damage to the other person or vehicle
- Medical bills
- Legal fees
- Other similar expenses
Emergency Road Service
ERS ensures you have proper road assistance in case something happens to your vehicle while you’re driving. It covers:
- Oil or gas delivery
- Light mechanical labour
- Tire change
- Locksmith services
- Towing services
- Other similar services
This takes care of other types of incidents. It covers damages from:
- Extreme weather
- Other similar mishaps or incidents
This covers damages to your own vehicle in case of a collision. It can also cover the costs of replacing your car if it is totaled.
Uninsured Motorist Coverage
This type of insurance takes care of expenses resulting in your own injury or death if the other driver is unidentified. If the other driver is identified but uninsured, then this takes care of damages to your vehicle.
Direct Compensation Property Damage
This covers losses and damages that you are not fully responsible for. This is only available in specific provinces.
All Perils Insurance
This covers everything unless otherwise stated by your policy.
Accidents Benefit Coverage
This covers your medical care if you sustain injuries from a car accident. It also covers income replacement.
This covers your benefits and medical bills regardless of who’s at fault.
This covers nothing more than what is stated or specified in your policy.
Review each of these coverages and look at what you need the most. Your car insurance provider will most likely have recommendations on what fits you best.