Best Car Insurance in 2022 | Requirements and Premiums Compared Across Provinces

December 17, 2021 | Editorial Team

Auto Insurance

The law in Canada requires you to have car insurance, regardless of your province. This is true, whether you own or lease a car. Choosing the right auto insurance for you can be difficult. The mandatory requirements differ in each province. For example, a driver in Ontario and a driver in Quebec will have different coverage requirements. Having said that, check out the best car insurance options in Toronto, Brampton, and Vancouver, too.

Additionally, car insurance rates can vary depending on the level of coverage you require. The insurance premiums you include and the provider you choose can also have an impact. To help you choose the best car insurance while still helping you save money, we will look at some of the best options available in each province.

Car Insurance Estimator

A car insurance estimator, also known as a car insurance calculator, can help you check how much you would expect to pay for insurance on your vehicle. You can use it regardless of whether you are looking to insure a new vehicle or renewing an existing insurance policy. A car insurance estimator will help you make sure you get the best deal possible. It can give you access to car insurance quotes from the best car insurance companies in Canada.

It only takes a few short minutes to input your personal information, vehicle information, driving record and insurance history. The calculator will then show you a list of car insurance quotes with different coverage levels. The calculator will automatically take into account your city or province. It will only offer insurance companies that provide you with the coverage required by your province.

Using a car insurance estimator will also help you compare coverage. You can then decide exactly what you want to be included in your insurance policy. Ultimately, it will help save you the time of contacting multiple companies and comparing quotes yourself. It will also help you save money by making sure you are being offered the best car insurance rates in your province.

Car Insurance Online

The auto insurance market in Canada is competitive. There are hundreds of companies offering differing policies. Many drivers are, therefore, choosing to get their car insurance online. This allows you to easily compare quotes from many providers at the same time. An increasingly popular choice for drivers in Canada is to use an online insurance comparison site, such as RATESDOTCA.

This involves inputting your personal information, vehicle information and driving history. You will then be presented with a list of quotes from more than 50 car insurance companies. You can decide the level of coverage you need, the car insurance premium you are willing to pay and how much you want your deductible to be.

By finding your auto insurance online, you are more likely to find the cheapest deal. Drivers can save up to 30% on their insurance premiums per year by using a comparison site. It also saves you the time and effort of contacting multiple companies to compare car insurance quotes. Head over to RATESDOTCA to see your car insurance quotes.

Car Insurance Broker Near Me

Ontario

Car insurance prices in Ontario can vary greatly depending on where you live. On average, car insurance in Ottawa is cheaper than in Toronto. Drivers who live in the Ontario countryside will usually pay less than the rest of the province.

There are a number of factors that may impact the price in Ontario. For example, Ottawa auto insurance may be more expensive than in the countryside because your risk level is higher. This could be because traffic accidents, vehicle theft, vandalization and insurance fraud are more common. As a result, Ottawa auto insurance companies are more likely to have to pay for repairs or replacements to your vehicle.

There are a number of mandatory insurance requirements for all drivers in the province of Ontario. This is regardless of whether you are looking for car insurance in Ottawa or elsewhere in the province. Your policy must include Liability Coverage and Direct Compensation. It must also include Uninsured Automobile Coverage and Accident Benefits Coverage. You can also choose to include additional coverage when searching for your car insurance quotes in Ontario.

Many people looking for car insurance in Ottawa or Ontario choose to use a car insurance broker. A broker is somebody who works on your behalf to find the best coverage options at the best price for your car. A broker will connect with insurance providers across Ontario to find you the best deal. The most popular brokers in Ontario are:

1. BrokerLink

BrokerLink has been operating for more than 30 years and is one of the biggest car insurance brokers in Canada. BrokerLink is partnered with multiple insurance providers in Ontario.

BrokerLink creates a customized policy based on a number of factors. This includes your driving habits, insurance requirements and budget. BrokerLink will then provide you with a list of competitive insurance quotes for you to compare.

As well as the mandatory insurance coverage, BrokerLink also offers:

  • Collision Coverage
  • Comprehensive Coverage
  • Accident Forgiveness
  • Waiver of Depreciation

Flexible payment options are available. You can apply for your car insurance quote on BrokerLink’s website or over the phone.

2. Youngs Insurance Brokers

Youngs Insurance Brokers is one of the largest independent insurance brokerages in Ontario. Youngs has nearly 30 locations across Ontario. They have more than 100 years of experience in the insurance industry.

Your quotes will be customized to your specific insurance needs. There are various coverage and deductible options available. You can also receive a SnapQuote with just one click.

You will be connected with your own Youngs Insurance expert. Your insurance broker works for you, not for the insurance provider. This means they will always search for the best possible coverage for the most competitive prices.

Youngs has a dedicated claims line if you ever need to make a claim. Unlike some other brokerages, they do not stop working with you as soon as you have signed your insurance contract.

3. McDougall Insurance

McDougall Insurance has been operating for more than 75 years. They are the largest insurance broker in Eastern Ontario.

McDougall offers multiple extra coverage options:

  • No-Fault Insurance
  • Accident Benefits
  • Collision Coverage
  • Comprehensive Coverage
  • Loss of Use Endorsement
  • Claims Forgiveness Protection
  • Liability for Damage to Non-Owned Vehicles Endorsement
  • Limited Waiver of Depreciation Endorsement

McDougall Insurance offers multiple discount opportunities.

You can request your free insurance quote on McDougall Insurance’s website or by contacting a broker directly by phone.

4. Easyway Insurance Brokers

Easyway Insurance has been offering auto insurance in Ontario for more than 30 years. They are now partnered with NFP, one of the biggest insurance brokers in Canada.

Easyway offers high-risk auto insurance to all Ontario drivers. They provide access to the best high-risk insurance coverage options and rates in the province.

Easyway insurance has a 100% acceptance policy. This means you can acquire insurance regardless of your driving or credit history.

Both short and long-term insurance policies are available. Easyway also offers a range of payment methods. This includes e-Transfers, credit card payments, and pre-authorized withdrawals.

You can get your high-risk insurance quote on Easyway Insurance’s website or by contacting them over the phone.

5. ThinkInsure Brokers

ThinkInsure Brokers operates in both Ontario and Alberta. They are partnered with more than 50 insurance providers across Canada.

ThinkInsure is a team of highly trained insurance experts. An insurance expert will offer you unbiased, expert advice to find the best auto insurance for you.

You will be asked to enter your personal information, driving history, and information about your vehicle. You can then quickly and easily compare quotes from some of the top insurance providers in Ontario.

ThinkInsure can provide optional auto insurance, as well as the mandatory requirements for Ontario. They also offer some great discounts and bundle options.

6. Aligned Insurance Brokers

Aligned Insurance Brokers is a specialized insurance provider for businesses. They offer auto insurance to both individuals and businesses.

As well as the mandatory coverage, Aligned Insurance Brokers also offers optional extras. This includes:

  • Medical Payments Insurance
  • Accident Benefits
  • Funeral Expense Benefits
  • Disability Income Benefits
  • Death Benefits

Aligned also offers variable deductible options. You can opt for a higher deductible and a lower insurance premium or a lower deductible and a higher insurance premium.

You will be connected with an advocate that can help you find the best insurance product for your needs.

You can get a fast quote on Aligned Insurance Broker’s website or by contacting them directly over the phone.

Quebec

Quebec is typically the cheapest province for auto insurance in Canada. It is more than 50% cheaper than in Ontario and British Columbia. Quebec auto insurance combines public and private insurance. The public insurance is provided by the Société de l’assurance automobile du Québec (SAAQ). Any additional coverage is provided by private car insurance companies.

The mandatory requirements for car insurance in Quebec are different from the requirements in Ontario. Quebec has separate insurance for bodily injuries and vehicle damage. Under the Quebec Automobile Insurance Act, all drivers need to buy a minimum of $50,000 in civil liability coverage. This covers you for:

  • Legal liability for property damage and bodily injury outside of Quebec.
  • Property damage to another vehicle when you are at fault.

In Quebec, if you are injured in a traffic accident, regardless of who is at fault, SAAQ will compensate you. This means that you cannot be sued if you are involved in an accident. If you require additional coverage, such as coverage for damage to your own car, you will need to add this separately. A broker will help you find an insurer who provides you with the mandatory requirements and any additional coverage you need.

The highest-rated private car insurance brokers in Quebec are:

1. Essor Insurance

Essor Insurance is a popular Quebec insurance broker. The brokerage is made up of a team of dedicated, professional insurance brokers.

You will be connected with an insurance broker who will discuss and analyze your car insurance needs. The broker will then use their resources, experience, and knowledge to find the best coverage for you, at the best possible price.

Your Essor Insurance broker works solely for you, not the insurance provider.

If you ever need to submit a claim, your insurance broker will also help you with the claims process.

Essor Insurance’s car insurance is offered in connection with Intact Insurance. You can get a quick quote or a personalized detailed quote on Essor Insurance’s website today.

2. Intergroupe Assurances

Intergroupe Assurances is the biggest insurance brokers network in Quebec. They offer a variety of insurance types, including auto insurance.

Intergroupe Assurances represents a large number of insurers. This means you are more likely to get auto insurance at a lower price. You will be connected with an insurance broker who will help you find the best coverage for you.

If you ever need to make a claim, your broker will act in your interest and work with you throughout the claims process.

Intergroupe Assurance has offices and brokers in cities and regions across Quebec. Visit their website today to find a broker near you.

3. Assurancia

Assurancia has more than 30 branches across Quebec and more than 175 professional insurance brokers. They are partnered with some of the most trusted insurers, included Intact Insurance, RCCAQ, and RSA.

They insure a variety of car types, including non-standard vehicles and vintage cars. They also offer insurance for recreational vehicles.

An Assurancia broker will analyze your needs, advise you of your coverage options and guide you through the insurance process.

If you ever need to make a claim, you will be connected with an Assurancia claims specialist. They will help to ensure your claim is resolved quickly and to your satisfaction.

4. Lemay Coulombe Assurances

Lemay Coulombe has been a popular insurance broker in Quebec for more than 40 years. They are partnered with Intact Insurance and offer car insurance through them.

Lemay Coulombe has insured more than 15,000 customers since 2020. They are a 24/7 brokerage, meaning someone is always available if you require any help.

Auto insurance is available for a variety of car types. This includes cars, convertibles, hybrids, electric cars, and off-road vehicles. You can also insure minivans, vans, SUVs, pickups, athletic cars, and recreational vehicles.

A Lemay Coulombe Assurances broker will provide you with information and help you decide on the best coverage for your driving needs.

Nova Scotia

Drivers in Nova Scotia are required by law to have auto insurance that includes Liability Coverage. You must also have Direct Compensation, Uninsured and Unidentified Automobile Coverage and Accident Benefits Coverage. The third-party liability coverage amount is higher than in other provinces ($500,000 compared to the standard $200,000). Any additional insurance coverage can be added to your policy but will result in higher insurance premiums.

The average cost of car insurance in Quebec per year is close to $900. This makes it the fourth cheapest province for auto insurance. In Nova Scotia, Compensation of Property Damage (DCPD) means if you are involved in a minor accident, each driver is covered by their own insurance company, regardless of who is at fault. Auto insurance in Nova Scotia is monitored by The Office of the Superintendent of Insurance.

The province of Nova Scotia also has a Financial Responsibility Law. This ensures that drivers are accountable for their driving. The financial consequences of accidents they are involved in will be their responsibility. The aim of this law is to encourage good driving and more responsible drivers.

A popular choice for those searching for policies in Nova Scotia is to contact an independent broker such as Munninsurance. They can provide you with quotes from brokers across Nova Scotia and help you to compare insurance on car rates and coverage levels.

If you would prefer to contact brokers directly, there are several options for you to choose from.

1. Cheep Insurance

Cheep Insurance compares rates from the top insurance companies in Nova Scotia. They are a 100% independent brokerage, meaning they offer impartial, unbiased advice.

You simply need to answer a few questions and Cheep Insurance will provide you with insurance quotes from more than 10 insurers. Insurance is available for everyone, regardless of your driving, insurance, and payment history.

Cheep Insurance helps you to build a policy that is completely customized to you. They will help you to choose the coverage you want and provide helpful advice throughout the process.

Every part of the insurance process can be done online. You can even sign your contract electronically. Cheep Insurance also offers flexible payment options.

2. Cluett Insurance

Cluett Insurance is a family-owned insurance broker that has been operating for more than 40 years. They are the largest independent insurance brokerage in Atlantic Canada.

Cluett Insurance has access to more than 10 auto insurance markets. This means they can help you find the best coverage options that fit your needs.

They provide the mandatory insurance required in Nova Scotia. They also provide optional extended coverage extras, including:

  • Accident Forgiveness
  • Comprehensive Coverage
  • All Perils Coverage
  • Specified Perils Coverage
  • Collision or Upset

To receive a quote, you need to fill out the online form on Cluett Insurance’s website. An insurance broker will then contact you directly to create your personalized car insurance quote.

3. OTC Insurance Brokers Inc

OTC is an insurance broker offering car insurance for both commercial and personal customers. OTC works with 18 different insurers. They act as an intermediary between you and the insurance provider.

OTC offers customized insurance solutions for all your insurance needs.

An OTC broker will work with you directly to find the best coverage for your needs and budget. They will advise you on the best insurance products for you and the coverage level you may require.

The OTC broker will help to set up your policy and can even act as a claims advocate if you ever need to make a claim.

4. Bluenose Insurance Brokers

Bluenose Insurance has been a trusted brokerage in Nova Scotia for more than 30 years. You can get an instant car insurance quote online using Bluenose Insurance’s webrater.

As well as the Nova Scotia mandatory insurance requirements, Bluenose also offers:

  • Collision Coverage
  • Comprehensive Coverage
  • All Perils Coverage
  • Loss of Use
  • Limited Waiver of Depreciation
  • Family Protection
  • Claims Advantage

Bluenose also offers you the opportunity to save on your car insurance, with several discount options:

  • Multi-line discount for bundling your car insurance with another insurance product.
  • Multi-vehicle discount.
  • Save up to 30% by enrolling in a telematics tracking program.

New Brunswick

The average cost of car insurance in New Brunswick is $867 per year, making it the third-cheapest province in Canada. In New Brunswick, you are required by law to have $200,000 in Third-Party Liability Coverage. You are also required to have Accident Benefits Coverage and Uninsured Automobile Coverage. Your coverage must also include funeral expense benefits. Disability income benefits and death benefits should also be included.

You should obtain your coverage from a private insurance company. The required level of coverage can be raised so that you are entitled to more compensation in the event of an accident.

New Brunswick operates under a no-fault system for auto insurance. This means that drivers claim from their own insurance companies, regardless of who is at fault. Unlike many other provinces, New Brunswick drivers can also opt to have usage-based insurance. This gives you the opportunity for cheaper premiums as you pay for the driving that you do. A box will be fitted into your vehicle that records where and when you drive.

To help navigate the confusing insurance rules, many drivers in New Brunswick seek help from an insurance broker. The most popular brokers in this province are:

1. Vienneau Insurance

Vienneau Insurance is a popular broker with offices across New Brunswick. They aim to not only provide you with the perfect car insurance but also to educate you so you understand your insurance needs.

Vienneau offers a variety of additional car insurance options, including:

  • Rental Car Coverage
  • Coverage for Borrowed Vehicles
  • First Accident Forgiveness
  • Guaranteed Replacement Cost
  • Top-Up Liability Insurance
  • Collision or Upset Coverage
  • Comprehensive Coverage
  • Family Protection
  • Loss of Use
  • Limited Waiver of Depreciation
  • Legal Liability for Damage to Non-Owned Vehicles

Vienneau Insurance will talk you through all these different options. You can then make an informed decision about the best insurance coverage for you and your driving needs.

2. CAA – Canadian Automobile Association

CAA has been operating for more than 70 years. They were voted as the most trusted brand in Canada in 2021. CAA offers car insurance in New Brunswick, Nova Scotia, and Prince Edward Island.

For those who drive less, CAA offers a pay-as-you-drive insurance policy. Their CAA MyPace is the only car insurance program in Canada for low mileage drivers.

CAA also offers complimentary tire coverage. If you bundle your car and home insurance together, you could receive a discount on your premium.

CAA members save with the CAA Rewards and Discounts program. You can earn savings on automotive services, shopping, dining, travel, and insurance.

3. Pearson Insurance

Pearson Insurance is an independent insurance broker located in Sussex, New Brunswick. They are a family-owned and operated business. They provide both personal and business auto insurance.

Pearson Insurance offers comprehensive insurance solutions for your driving needs. An insurance broker will explain all your coverage options and how Pearson Insurance works. They will help you understand your coverage needs so you can choose the best insurance for you.

Auto insurance is available for cars and trucks. Pearson Insurance offers a variety of insurance options. This includes protection for stolen or damaged cars or fire damage. You can also get protection from being hit by an uninsured driver.

You can apply for an insurance quote online, call Pearson Insurance directly, or visit one of their offices in New Brunswick.

4. Miramichi Insurance Brokers

Miramichi Insurance Brokers are located in Miramichi, New Brunswick. They are a member of the Huestis Insurance Group.

As well as the mandatory car insurance requirements, Miramichi also offers:

  • Collision Coverage
  • Comprehensive Coverage
  • Accident Protection
  • Rental Car Coverage
  • Limit Depreciation

You may be eligible for a discount on your car insurance policy if you bundle your car insurance with another insurance product. You may also receive a discount if you enroll in a Driver’s Education Program.

You can visit the broker’s office in Miramichi or apply for an insurance quote online.

Manitoba

The average cost of car insurance in Manitoba in 2020 is $1,140 per year. For Manitoba’s cars, insurance operates under a no-fault system. This means you will receive compensation from your own insurance provider, regardless of who is at fault. Manitoba also has government-run insurance – Manitoba Public Insurance (MBI). This gives you less opportunity to shop around for cheaper car insurance rates.

MBI provides drivers with Basic Autopac Insurance. You have the opportunity to extend the insurance with optional additional coverage. You can also choose to add additional coverage through a private insurance company, although this is not a common choice in Manitoba. Many drivers in Manitoba instead choose to extend their coverage amount with MBI.

Unlike private insurance, MBI does not take age or gender into account when calculating your insurance rate. The only factor that will be taken into account is your driving history, as this determines how high-risk you are. As car insurance is provided primarily by the MBI, you should not need to use an insurance broker when insuring your vehicle.

British Columbia

With an average cost of more than $1,800, British Columbia (BC) has the most expensive car insurance of all the Canadian provinces. In fact, insurance premiums have increased by 63% in the last five years! British Columbia has seen an increase in injury claims, vehicle damage and lawsuits. These increases could be responsible for the high premiums.

Insurance in British Columbia is run by the Insurance Corporation of British Columbia (ICBC). This means that a car driver in British Columbia does not have the opportunity to solely use private car insurance companies. The ICBC Basic Autoplan is mandatory for all drivers in BC. You can also choose to add additional coverage, either with ICBC or with a private insurance company.

As car insurance is provided by the ICBC, a driver in British Columbia will only need the services of an insurance broker if they wish to combine their coverage options.

Prince Edward Island

Prince Edward Island (PEI) has the lowest number of traffic accidents in the whole of Canada. The positive driving record in this province results in lower car insurance rates. Prince Edward Island has the second cheapest car insurance premium average of all the provinces in Canada.

PEI law requires a driver to have Liability Coverage and Direct Comp. Uninsured and Unidentified Automobile Coverage and Accident Benefits Coverage are also mandatory. Any additional coverage can be added to your policy. The Office of the Superintendent of Insurance regulates all insurance brokers and providers in PEI.

Some popular Prince Edward Island brokers are:

1. Peake & McInnis LTD

Peake & McInnis is a family-owned and operated insurance broker based in Charlottetown, PE. They have been operating for more than 100 years. Peake & McInnis offers professional, independent insurance advice and competitive insurance quotes.

Peake & McInnis only works with trustworthy and reputable insurance companies. Their car insurance coverage options include:

  • Liability Insurance
  • Collision Insurance
  • Comprehensive Insurance
  • Waiver of Depreciation
  • Loss of Use Coverage
  • Non-Owned Legal Liability

Peake & McInnis is partnered with some of the most trusted insurance providers in Canada. This includes Aviva, RSA, Intact Insurance, Wawanesa, and CAA.

Visit Peake & McInnis’ website today or contact them over the phone for more information.

2. BrokerLink

BrokerLink has offices across Prince Edward Island. They offer competitive insurance quotes in as little as five minutes. BrokerLink’s insurance agents will help you find the perfect car insurance for your needs at an affordable price.

The agent will also help you understand any factors that are affecting your insurance rates. They can help you find ways to lower your insurance premium.

Your BrokerLink agent can create a tailored insurance policy based on several factors. This includes your driving habits, insurance requirements and budget.

As well as the mandatory insurance coverage, BrokerLink also offers additional coverage options:

  • Collision Coverage
  • Comprehensive Coverage
  • Accident Forgiveness
  • Waiver of Depreciation

3. W.B. Beairsto

W.B. Beairsto is a 100% Prince Edward Island owned insurance broker. Based in Kensington, P.E. They provide expert advice and services for all your insurance needs, including auto insurance.

W.B. Beairsto also provides home, tenants, and business insurance. They also offer convenient payment plans.

There is no online option for obtaining an insurance quote or purchasing insurance on W.B. Beairsto’s website. Instead, you will have to visit their office in Kensington or contact them via phone.

4. Cluett Insurance

Cluett Insurance has been a popular insurance broker for more than 40 years. They have an office in Summerside, Prince Edward Island. Cluett Insurance offers comprehensive multi-line insurance.

Cluett Insurance represents many insurance providers in P.E Island. A Cluett representative can help you find the perfect car insurance policy for your needs. They offer quality, affordable car insurance.

You will have access to more than 10 car insurance markets. This gives a Cluett representative the opportunity to find the most competitive insurance rates.

You can choose from optional insurance extras, including:

  • Accident Forgiveness
  • All Perils
  • Collision or Upset
  • Comprehensive
  • Specified Perils

You can request your car insurance quote on Cluett Insurance’s website. You will then be contacted

Saskatchewan

Saskatchewan has an average auto insurance cost of over $1,200 per year, making it the fourth most expensive province in Canada. The only option for car insurance in Saskatchewan is the government-run system. This is known as Saskatchewan Government Insurance (SGI). Their mandatory car insurance is known as Auto Fund. It includes $200,000 of third-party liability coverage.

Saskatchewan is a no-fault province. Although you can choose to add a ‘tort’ option to your coverage, meaning that you are able to sue for pain, suffering or financial loss. If you are looking for higher coverage, you can choose to upgrade your cover with SGI.

As the government monopolizes insurance in Saskatchewan, brokers are not required in this province.

Alberta

Alberta is the third-highest province for car insurance in Canada, with an average cost of over $1,300 annually. Alberta requires you to have Third-Party Liability (minimum of $200,000) and Accident Benefits. Any other coverage is optional.

Many drivers in Alberta choose to use an insurance broker to help them get the best policy for them at the best price. Some of the most popular car insurance brokers in Alberta include:

1. Alpine Insurance

One of the leading brokers in Alberta is Alpine. They connect you with brokers that can help you find the best insurance provider and coverage level for insuring your vehicle.

An Alpine insurance broker will create a tailor-made insurance policy based on your insurance needs and budget. They can guide you through your coverage options and help you review your current car insurance.

Once you have chosen a policy, you can access your insurance policy on Alpine’s mobile app. You can access your coverage and deductible information and even submit a claim on the app. You can also make any policy changes and check any upcoming or previous payments.

Visit Alpine Insurance’s website today for more information.

2. BrokerLink

Another popular broker is BrokerLink. BrokerLink has been operating for more than 30 years and is one of the biggest car insurance brokers in Canada. They have more than 20 broker offices across Alberta.

Your broker will help you to understand the laws and requirements for insuring your car. As well as helping you with any additional coverage you may want.

BrokerLink also offers flexible payment options to support your budget.

3. PC Insurance

PC Auto Insurance is a broker that is connected to nine insurance companies across Alberta. They offer 24/7 support to help you find the best car insurance available for the best price.

PC Insurance is partnered with some of the most well-known providers. This includes Aviva, Pem Bridge, Intact Insurance, and Zenith.

You will be connected with a PC Insurance broker in Alberta. The broker will discuss your personal information, information about your car, your driving habits and driving history and your budget. The broker will then find the best insurance policies for you.

You may be able to receive a discount on your car insurance premium:

  • Install anti-theft devices.
  • Install winter tires.
  • Install a dashboard camera.
  • Bundle your insurance policies.
  • Enrol in a driving course.

Visit PC Insurance’s website today for more information, or to be connected with a broker

Newfoundland

Insure prices in Newfoundland have more than doubled in the past five years. The average annual cost is now more than $1,100. Mandatory coverage in Newfoundland includes Liability Coverage and Direct Compensation. Uninsured and Unidentified Automobile Coverage is also mandatory. If a driver requires additional coverage, they can add this to their policy.

Many drivers in Newfoundland choose to use an insurance broker to help them simplify the process of insuring their car. A broker will also try to ensure you get the best possible deal.

The Insurance Brokers Association of Newfoundland and Labrador (IBAN) is an association of 16 insurance brokerages across the province. The broker works on your behalf and offers you a choice of coverage options from a variety of insurers. They help find the best coverage for you and your vehicle. IBAN can also act on your behalf as a Claims Advocacy. If you need to claim from your insurer, IBAN will represent you and guide you through the process.

Your other option would be to contact brokers directly. Some of the most popular brokers in Newfoundland are:

1. Wedgewood Insurance

Wedgewood Insurance is the most trusted insurance broker in Newfoundland. They make your car insurance options easier to understand and offer advice that is customized to your insurance needs.

Wedgewood Insurance does not work for any insurance providers. This means all advice is impartial. Wedgewood’s insurance brokers will give you access to the best pricing and more insurance options.

Wedgewood Insurance has a group of experienced, dedicated insurance professionals. They help you to identify any risks you may face. Your insurance policy will be tailored to your personal insurance needs.

You can apply for a free insurance quote on Wedgewood’s website. You will then be connected to a professional insurance advisor. They will talk you through the different coverage options and prepare your quote. Visit Wedgewood’s website today for more information.

2. Action Insurance Services Inc

Action Insurance Services is a popular Newfoundland insurance brokerage. They offer a personalized service to ensure you have the best insurance coverage for your needs.

Action Insurance offers auto insurance for a variety of vehicles. This includes cars, motorcycles, recreational vehicles, and antique vehicles.

An Action Insurance experienced insurance broker will help you understand your coverage options. You can then choose the best coverage levels for you. They will also look at any factors that are affecting your policy price.

You can make a phone or in-person appointment with an Action Insurance professional to receive your insurance quote.

3. Steers Insurance

Steers Insurance has been a Newfoundland and Labrador insurance provider for nearly 100 years. They are partnered with multiple trusted insurance providers across the province.

Your Steers Insurance broker will ensure you have the best service and coverage for your insurance needs at the best possible price. You can choose insurance for your car, van, truck, and motorcycle.

Steers Insurance offers multiple coverage options:

  • Third-Party Liability
  • Accident Benefits
  • Collision Coverage
  • Comprehensive Coverage
  • Depreciation Protection
  • Uninsured Driver Coverage
  • Coverage up to a Stated Dollar Limit

Steers Insurance also offers you the opportunity to save up to 15% if you bundle your auto and home insurance. You can also save if you insure more than one vehicle.

4. Munn Insurance

Munn Insurance is an independent insurance broker with an extensive network of insurance providers. They are one of the largest independent insurance brokers in Newfoundland. Munn Insurance is partnered with some of the best insurance providers in Canada. This includes Aviva, Intact Insurance, RSA, CAA, and Pem Bridge.

You can save up to 30% by purchasing your car insurance with Munn Insurance. You can get a quote online or over the phone in a few short minutes. You can receive quotes from up to 8 car insurance companies at one time.

Munn Insurance offers multiple discount options. This includes:

  • Auto and home insurance bundles
  • Multi-vehicle discount
  • Experienced drivers discount
  • Safe drivers discount
  • Claims free discount
  • Loyalty discount
  • Group discount

 They also offer easy monthly payments and a 24/7 claims service. Visit Munn Insurance’s website today for more information.

The Bottom Line

The requirements for insuring your car in Canada can vary greatly. To ensure you are following the law, pay close attention to the mandatory requirements of your province. Consider using an insurance broker to help you simplify the process. A broker can also make sure you are getting the best coverage at the best price. Searching for insurance online can also simplify the process for you as you can compare multiple providers at the same time.