When choosing insurance for your car, truck or recreational vehicle our team will give you options and explain the different levels of coverage that are suggested for your lifestyle and specific vehicle choices.
Automobile rates are affected by many things:
If you are at fault, or partially at fault, in a collision, your renewal premium may be affected.
Many companies allow one "at-fault" claim for clients believed to be good drivers and make little or no adjustment in rating or premium at renewal.
Claims for theft, vandalism, fire, broken glass and for collision when you are not at fault do not affect your renewal premium.
If you lend your car to others and they cause an accident, your premium may be affected.
A multitude of "at-fault" claims and/or driving convictions could result in your being transferred to the high-risk, high-premium Facility Association at renewal time.
* This information is published with the permission of the Insurance Bureau of Canada.
Premium discounts vary by company. Ask us to help determine what discounts apply to you.
We will ask you questions such as:
Do you use your vehicle just for pleasure?
Do you drive to work, or use your car for business?
What type of vehicle do you drive, year, make, model and body type?
Approximately how many kilometres is the vehicle driven annually?
Who will be driving it?
What is the age and driving experience of each driver in the household?
Are drivers under age 25 male or female?
How much will each be using the vehicle?
What is the claims and accident history for each driver in the last six years?
What is each driver's conviction record for the last three years?
Has any driver in the household had a license suspension or an automobile policy cancelled in the last six years?
Speak to our team today for more advice and insurance solutions.
