There’s so much to consider when buying car insurance (Car Insurance Coverage and Policies) in Canada, with each province requiring a different level of protection. It can be confusing. Allstate agents are standing by to help you create a policy that’s unique to you.
Mandatory car insurance coverage
Protects you if you are in an accident and you are held liable for the injury to or death of other people. It also covers damage to their vehicle or property.
Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec).
Direct Compensation Property Damage
Covers you for damage to your vehicle and to property inside it when another motorist insured in your province is responsible for the accident.
Enhanced car insurance coverage
Collision or Upset
Covers the cost of repair or the replacement of your car (up to its actual value less your deductible) if you have a collision with another car or an object such as a tree or guiderail.
Covers windshield damage and other damage to your car due to theft, vandalism, fire, falling objects, lightning, explosion, or impact with an animal.
Covers certain damage to your car by such dangers as fire and lightning, theft or attempted theft, windstorm, earthquake, hail, explosion, riot or civil unrest, falling aircraft or parts of an aircraft.
Combines the protection provided by Collision and Comprehensive coverages.
Additional car insurance coverages
Your first claim is on us. Your rates will not go up.*
Your deductible goes down every consecutive term you go without a claim until it disappears.**
Your rates will not go up if you get a ticket for a minor driving offense.***
Loss of Use
Covers the cost of a backup means of travel such as rental car or taxi you use when your car is being repaired as a result of damage or theft.
Damage to a Non-Owned Vehicle
Covers you if you damage a car you do not own such as a rental vehicle.
Waiver of Depreciation
This option ensures you get the full value of your new car (less than 36-months-old) if it is written-off as part of a covered claim.
Ridesharing with Allstate’s Ride for Hire
Allstate recognizes how you use your car is changing. With ride sharing becoming more popular, you may require additional coverage beyond your personal auto policy. With Allstate’s Ride for Hire, you can bridge the gap between private and commercial insurance policies to ensure your needs are met. Contact an Allstate agent today to ensure your car is properly insured for ride sharing.
Car Insurance Online
Allstate knows how important convenience is to you, which is why we offer online resources to help save you both time and money.
Get a Free Auto Quote Online
Get the coverage you need by starting a free, personalised car insurance quote today.
To complete your car insurance quote, you need:
- Your name, date of birth and address
- Year, make and model of your vehicle
Insuring your car with Allstate has never been easier.
Want to manage your policies easily? Download and use the myAllstate app to pay bills online, access your digital proof of insurance (pink card) and manage your policy details in one place.
By monitoring your driving habits for six months, the DriveWise app† could reward you with up to 30% off your annual premium. It is free to use and will not increase your premium. In fact, you save 5% simply by enrolling.
By recording your speed, time and duration of car trips as well as harsh or extreme breaking events, the DriveWise app encourages you to be a better driver.
Quality car insurance protection can be affordable. It doesn’t have to come at a high cost. Allstate provides affordable car insurance options based on your needs. Whether you want to bundle your home and car insurance (multi-line), insure more than one vehicle (multi-vehicle), or you are just starting out on the road, Allstate has a discount for you.
Be rewarded with a discount for being you. Allstate provides discounts based on your lifestyle, occupation and age – from student drivers to retirees.
For drivers under 25, insurance can be costly. Allstate provides a Good Student Driver Discount—this means your good grades could save you money. If you attend school over 100 km away from your postal address, you could be eligible for a discount. Newly licensed drivers could also take a recognized driver safety course to lower their premium.
But it’s not just younger drivers who can save money. Drivers over 65 years can enjoy a Retiree discount, or if you have been with Allstate for more than three years, you could take advantage of a Renewal discount.
As a safe driver, you could save up to $100 on your deductible every year you go without making a claim with Allstate’s Disappearing Deductible. Another way experienced drivers could reduce costs with safe driving habits is by signing up with Allstate’s DriveWise app
Discounts for your vehicle
Allstate understands that buying a car is a huge expense. Insuring your car shouldn’t have to be. Purchasing a brand new vehicle could lower your car insurance rate, especially if your car has the latest auto safety features installed. If your car has advanced driver safety features such as Advanced Driver Assistance Systems, a park assist camera for example, you could be eligible for a discount. Additionally, keeping your vehicle safe in off-street parking or equipping it with an anti-theft device could reduce your premiums. To find out how you can save on your car insurance, go to the Allstate’s auto insurance discount page.
After a collision, it can be a stressful time. If you need to make a claim, Allstate has a highly experienced claims team available 24/7 to guide you through the process. In fact, we are so confident you are in Good Hands® that if you are not satisfied with your claim experience, we will refund your premium. That’s the Allstate Claim Satisfaction Guarantee (subject to terms and conditions).
What are the 4 mandatory coverages in Ontario?
In Ontario, the types of auto insurance you need to have by law are: Liability Coverage, Direct Compensation, Uninsured Automobile Coverage, and Accident Benefit Coverage. It’s the bare minimum to protect you and your loved ones
What factors are most important for car insurance rates?
Age. Age is a very significant rating factor, especially for young drivers. …
Driving history. This rating factor is straightforward. …
Credit score. …
Years of driving experience. …
Insurance history. …
Which company gives cheapest car insurance?
State Farm and Geico are the most affordable major car insurance companies in the country. State Farm offers an average rate of $44 per month for a minimum-liability policy, 26% below the national average. Geico also offers cheap car insurance quotes, at around $56 per month.
What are 5 important insurances you should have?
Home or property insurance, life insurance, disability insurance, health insurance, and automobile insurance are five types that everyone should have.