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Driving in Canada presents its own unique set of challenges, you need insurance that is suited for the environment. Auto insurance in Canada is an important consideration and it can be a major expense. You are legally required to have certain types of car insurance, but at the same time, there are options that can affect your premiums and coverage. Leibel Insurance brokers work to find the insurance coverage options that protect your lifestyle and family. The end result is a policy that helps you and your family feel safe, secure, and protected. To contact us for a car insurance quote in Edmonton, Calgary, Toronto, Mississauga as well as other cities in Canada, fill out the free quote request form above or call our office today!
Frequently Asked Questions about Auto Insurance in Canada
Here are some commonly asked questions and answers, concerning auto insurance in Canada.
Q. What is Car Insurance?
A. When you insure your vehicle, you are covering your financial and personal risk factors. For example, if anything happens to your car, you’ll want to make the necessary repairs (or replacement) with minimal out of pocket costs. In addition, you must be sure that all your legal liabilities will be paid. Car insurance helps cover the costs of injuries to yourself and others. This is why you should have an automobile policy on every vehicle you own.
Q. Who needs Automobile Insurance?
Q. Is there mandatory Auto Insurance in Canada?
A. Canada drivers must have certain coverage items on their insurance policies.
- 3rd party liability insurance – suppose you are at fault in a traffic accident. You could be responsible for damage to other vehicles and injury claims for people in the other car. Liability coverage is there to pay for these expenses, and in Canada, you must carry at least $200,000 in coverage. Insurance companies have standard Liability coverage set to $1,000,000 and many recommend increasing your Liability to $2,000,000 as costs with claims have increased.
- Accident benefits – this pays for expenses related to auto accidents, like income loss, medical bills, physical therapy, death and funeral expenses.
Q. What things can affect my Vehicle Insurance premiums?
A. Several factors influence how much you pay for insurance, such as:
- Driving record – multiple accidents or tickets on your record can raise your rates considerably.
- Driving experience – young people under 25 are the highest risk group, so their premiums are higher, especially teenagers.
- Coverage options – full coverage is more expensive but covers more things.
- Bad credit – you could be penalized for having a poor credit rating.
- Driving distance – shorter driving distance means lower premiums.
- The number of vehicles you own.
- Who you have your Homeowners Insurance with, combining policies can save money.
- Deductible amounts.
- Available discounts.
Q. What Automobile Insurance options do I have?
A. Your options depend on your situation. However, here are some of the available options:
- Collision – pays for your vehicle damage when you are the driver at fault.
- Uninsured motorists – suppose someone hits your car and they have no or too little insurance. This options cover that gap and also covers hit and run incidents.
- Comprehensive – covers non-auto accident damages like hail, wind, storms, fire, vandalism, and theft.
- Deductibles – raising or lowering your deductible is an option. Higher deductibles lower premiums but at the same time, increase your financial risks.
- Additional liability protection – you can raise your liability limits, and this is a good idea. In fact, with the high cost of accidents, many people are taking out one million dollars in coverage, to be safe.
Q. I own an older car that I owe no money on. Should I drop all Auto Insurance coverage except mandatory insurance, to save money?
A. Leibel Insurance Group does not recommend this as an effective strategy for lowering your premiums. For example, for a car worth only a thousand dollars, you are better off with only liability and medical benefits insurance coverage. However, comprehensive insurance is inexpensive and will pay for many types of damages, rather than having to pay out of pocket. Here is an example:
Q. What should I do if I am involved in a traffic accident?
A. According to Canada law, here are your requirements:
- Stay at the scene of the accident
- Render assistance or aid if possible
- Record and provide driver information:
- Name and address
- Drivers license
- Vehicle owner info
- License plate number
- Proof of insurance
Q. Should I use an Insurance Broker for my Car Insurance?
A. Brokers are independent agents who deal with a number of top insurance companies in Canada. They can shop policies on your behalf and find you the lowest possible rates and the best coverage options.
Q. Where are the best independent agencies for Automobile Insurance?
A. Leibel Insurance Group is a trusted and respected independent insurance agency. We have been serving Canada residents for over 30 years and offer a wide range of personal lines insurance for your needs. Our commercial and personal insurance brokers offer custom-tailored insurance and have access to a number of insurance markets.
Frequently Asked Questions about Auto Insurance in Canada for Winter
Driving in the winter season can be a dangerous affair. From black ice to white outs, your regular commute suddenly contains a new element of risk. Common winter mishaps like falling ice and heavy snow can also cause damage to your vehicle. That is why having a comprehensive auto insurance policy is more important than ever during these winter months.
If you’re unsure about what is covered by your existing policy or if you would like to make any changes to better protect you and your vehicle, speak with our experienced team of insurance specialists at Leibel Insurance today!
Q. Do I Need Coverage For My Seasonal Vehicle?
Don’t be fooled! Even if you do not plan on driving your vehicle during the winter months, a seasonal auto insurance policy is not recommended. You’re leaving yourself unprotected as you won’t be covered if your vehicle, unfortunately, got stolen or damaged.
Q. I Have All-season Tires; I’m Okay, Right?
For your general safety, it’s recommended to install winter tires as they are specifically designed for the harsh weather. They have deeper treads, better grip, and do not go stiff in the cold as some all-season tires do.
If you’re a resident of Ontario, we have some good news for you. The Ontario government has announced a 5% discount on auto insurance premiums for car owners who have installed winter tires. Although it’s not a huge discount, it’s a money-saving opportunity, and you’ll be driving safer, so you may as well take advantage! Qualifying details differ depending on your insurance provider. If you would like more clarification, we recommend speaking to one of our insurance specialists at Leibel Insurance for more information.
Q. How Can I Drive Safer This Winter?
Here are some tips to help you drive safe on the roads this winter season:
- Drive slowly– with poor road conditions and reduced visibility, try to slow down and leave more room than usual in case you encounter a slippery road and need to brake quickly.
- Stock up on windshield fluid– you don’t want to be caught running out of windshield fluid during a blizzard. It’s always a good idea to keep an extra container in the trunk, and remember to replace any wiper blades that leave a streak!
- Get used to cleaning– have a snow brush or ice scraper on hand and use it to clear ice and snow from the hood, windows and lights of the vehicle before you get in the car.
- Prepare for the worst– pack an emergency bag and leave it in the trunk of your car. You’ll thank your past self when you run into trouble. It’s better to be safe than sorry! Some useful items to include are:
- Non-perishable foods, like protein or energy bars
- Warm clothes
- Shovel or ice scraper
- First aid kit
Learn More About Car Insurance
1. What is Car Insurance?
2. Who needs Car Insurance?
3. Is it mandatory?
4. What affects premiums?
5. What options do I have?
6. Should I drop nonmandatory coverage?
7. What should I do if I am involved in a traffic accident?
8. Should I use an Insurance Broker for my Car Insurance?
9. Where are the best independent agencies for Automobile Insurance?
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