How to choose your auto insurance?

How to choose your auto insurance? How to save as much as possible on your contract? Does Your Vehicle Coverage Meet Your Needs? In this article you will find the answers to all these questions and more. This will help you find the auto insurance that's right for you.
In this article :
Is Your Auto Insurance Right For You?
Do you understand your auto insurance contract well?
How to save on your auto insurance?
How to make a claim after an accident or a claim?
Can a premium increase be avoided after a claim?
Is Your Auto Insurance Right For You?
First you need to ask yourself the right questions:
Am I in a group of at-risk drivers?
Is my vehicle also considered at risk?
Do I have a good driving record?
It is important to know your driver profile as well as the criteria on which insurers use to assess your file. There is definitely a product that will meet your needs. You must therefore define them and inform your agent.
For example, the auto insurance premium of a young student who owns a 2003 Honda Civic vehicle will not be the same as that of a mother in her 30s, whose two family vehicles are insured at the same location. Their coverage needs will also be completely different.
Did you know that liability insurance, a mandatory protection, protects you in the event of damage caused to others? Indeed, if you hit a fence, a house or any other property belonging to another person, you will be covered, among other things, for this type of damage. Basic protections are also offered to cover damage caused to your vehicle, that is, risks of collision and overturning and all risks except collision or overturn.
You can also opt for optional protections depending on your situation and the type of car you have.
Your answers to the following questions will help you choose the coverage best suited to your needs.
Is your vehicle rented or purchased?
How old is he?
Is it your only means of transportation?
Do you often rent cars for short periods?
What items are regularly in your car (eg sporting goods, office items, etc.)?
Do you understand your auto insurance contract well?
A typical auto insurance contract is divided into two chapters: A and B.
Chapter A: civil liability
In Quebec, it is mandatory for all car owners to have at least the coverages of Chapter A. This is called "being insured on one side". In other words, it corresponds to third party liability insurance, which covers property damage and bodily injury caused to others. In Quebec, the Automobile Insurance Act requires liability insurance coverage of at least $ 50,000. However, the majority of people opt for an amount of $ 1 million or more. If you often travel outside the province or to the United States, it is advisable to increase this amount to two million dollars.
Chapter B: protection for damage caused to insured vehicles
Chapter B corresponds to the basic protections that can be added to your contract. These allow you to be "insured on both sides" and get coverage for damage to your car.
Most auto insurance contracts give you full coverage, but it costs more. Make sure to customize Chapter B of your contract with your damage insurance agent to meet your needs. Coverage for damage caused to insured vehicles is divided into two distinct parts: chapters B2 and B3.
Chapter B2, risks of collision and overturning, covers damage caused to your vehicle, in particular repair costs, in the following situations:
Hood
Collision between the insured vehicle and a person or animal
Responsible accident
Accident where the responsible third party cannot be identified
Chapter B3, all risks except collision or upset, supplements Chapter B2. It offers a warranty that covers you against loss or damage to your vehicle in situations other than collisions and overturns. You will therefore be protected during these events:
Fire or explosion
Theft or attempted theft
Bad weather damage
Damage caused by riot or crowd movement
Vandalism
Damage caused by falling or flying objects
Glass breakage
If you choose chapter B2 in your insurance contract, be aware that it is mandatory to also take out chapter B3. On the other hand, it is possible to be covered by the protections of chapter B3 without being covered by those of chapter B2.
These coverages are offered by most insurers, but there are