Car Insurance Quotes in Canada
Billyard Insurance Group has you covered for auto insurance. Purchasing quality auto insurance in Canada should provide the protection you need for your vehicle, you and your passengers. With BIG Insurance, our car insurance brokers are focused on getting the best car insurance coverage for your vehicle for the right price. It’s easier than you think! If you're looking for auto insurance, you've come to the right place. Start with a completing our form online or calling for a free quote. We will then compare car insurance quotes on your behalf to find you the best option for you. Our team will be here to support you every step of the way for peace of mind. Auto insurance in Canada that's focused on your needs.
What Is Car Insurance?
Car insurance is your way of being able to cover the expenses that come up in the event that you’re driving and you injure someone or cause damage to their property. Auto insurance also can provide coverage if you get hurt and need medical attention. This type of insurance is referred to as liability insurance and is legally required if you want to drive in Canada. There are also additional coverage options including additional coverage for damage to your vehicle caused by collision, or protection against theft or vandalism. The types of coverage options vary from insurance company and this can be overwhelming. BIG Insurance brokers have the expertise to understand your requirements, explain your options and provide recommendations.
Why Do I Need Car Insurance?
Auto Insurance is there to protect you and those around you. If you injure someone in their vehicle, the costs of that person’s medical bills can be astronomical! In addition, if they cannot work they may not have a source of income leaving their dependents in need of financial support. The majority of the population do not have hundreds of thousands of dollars available to cover those costs. Your car insurance liability coverage can provide this.
Similarly, if you’ve caused damage to someone’s car, their repairs or replacement vehicle need to be covered. Your auto insurance can help cover these costs.
In Ontario, this is the minimum amount of required coverage you need to legally have:
- Liability Coverage
- Direct Compensation: Covers damages to your car in a no-fault accident
- Uninsured Automobile Coverage: Covers medical costs and damage if caused by an uninsured driver
- Accident Benefits Coverage: Coverage for medical and other expenses
Although car insurance is mandatory, there are several options that your insurance can recommend to protect yourself. Speak to a licensed insurance broker at BIG who will be able to talk you through the coverage as well as shop for the best price.
Who Has to Get Auto Insurance?
In Canada, it is mandatory to have auto insurance on your vehicle. Although there are some minimum requirements, our BIG brokers can compare vehicle insurance on your behalf to find cheap car insurance that meets your coverage requirements.
When Do I Need to Have Car Insurance?
From the moment you’re handed the keys to the car you call your own, you should have vehicle insurance. This is regardless of the frequency of the usage, your mileage or even if you just have it stored in the garage. If you own a car, you need to insure it.
How Much Does Insurance Cost?
Everyone’s insurance premium reflects their unique situation. When we calculate your premium, we look at a lot of factors. This includes the theft and crime rates in your area, how often and how far you’ll be driving, the type of car you’ll be driving, and your driving record. Certain factors will pose a higher risk for claims such as if you are in an area with a high accident or theft rate. If there is a higher risk, this will increase your premiums. These factors can also include personal information such as how long you’ve been driving. The seven core factors that insurance companies take into consideration when calculating your rate are:
- Your car
- How often you drive
- Any commercial usage
- Your driving records
- Where you live
- The type of coverage
- Preferential group discounts
If you’re looking for cheap car insurance, it’s important to make sure this isn’t coming with insufficient coverage. Oftentimes you can get cheap car insurance if you are willing to pay a higher deductible, you have to make sure you’d be able to cover this amount in the event of a claim. Your BIG Insurance broker will be able to discuss these options with you.
How Do I Compare Car Insurance Quotes?
To start getting quotes for Canadian car insurance, you need only a few pieces of information:
- A valid Canadian driver’s license
- The car’s serial or vehicle identification number (VIN)
- The physical home address where the car will be parked
To compare insurance quotes for cars, you need to make sure the comparison parameters are the same. These include:
Types of Coverage
Car insurance in Canada requires a few types of coverage, like third-party liability, uninsured motorist, and accident benefits coverage. You can elect to include collision coverage, personal injury protection, and other optional coverages. Make sure all the quotes you submit have the same coverages listed.
Coverage limits are the maximum amounts your car insurance will pay out on claims on your policy. Most insurers will have minimum amounts for certain coverages, and you can set higher limits if you wish. Whatever the arrangement, ensure it’s the same for each agency you get quotes from.
The deductible is how much you’ll have to pay on repairs or replacement out of your pocket before the insurance for your car kicks in. Low deductibles often result in higher premiums, and cheap insurance quotes may hide certain costs. Think carefully about how much you’ll be able to afford in case of an accident.
When you review a car insurance quote, your broker will ask questions about your auto situation and history. They may find opportunities for additional savings that you didn’t expect. When you get a quote for car insurance, you can review and purchase the policy to ensure you are covered quickly.
How Do I Get Auto Insurance with Billyard Insurance Group?
You can begin by filling out our online quote form for your insurance with the Billyard Insurance Group. We will shop different car insurance companies on your behalf to find the most suitable insurance company offering the coverage you need at the best possible price we can find. We’ll ask for some information about you, the car you’re going to drive, and your driving record. Here’s some of the information we will need from you to get you some auto insurance quotes::
- Your name, address, gender and birthday
- How long you’ve been driving
- The make, model and year of your car
- Whether you own or lease your car
- How many violations are on your driving record
- How many claims you’ve had
Contact us today for your no-obligation auto insurance quote!
Why Choose Billyard Insurance Group?
Every personal auto insurance policyholder has unique needs and options. At BIG, we recognize and celebrate these differences. We tailor our services to suit your circumstances, ensuring prompt and efficient coverage solutions. For a fast start, get your online car insurance quote with us today.
Instant response is critical for Canadian car insurance companies. Whether it’s roadside assistance for accidents or emergency repairs, BIG’s customer service moves quickly to help our clients get moving through the insurance process and get the relief they need.
BIG operates in many provinces across Canada. Our brokers know what factors affecting auto insurance are unique to our country. That makes it easier for us to understand what kinds of coverage are most in demand for local drivers.
Access to Insurance Partners
Our network encompasses over 30 of Canada's most known and reliable insurance providers and agencies. Also, our insurance resources make it much easier to search for and develop custom policies that fit our clients’ needs.
Insurance for Any Situation
BIG provides a diverse range of insurance solutions to cater to the unique requirements of each client:
- Life Insurance: In addition to standard life insurance, we can provide quotes on disability, critical illness, and other needs.
- Home Insurance: We provide coverage for home emergencies arising from unexpected events, theft, liability, and more.
- Business Insurance: We help companies large and small with commercial, property damage, and liability coverage.
- Commercial Auto Insurance: If you own a business that uses moving vehicles, we offer policies that help limit your liability and keep drivers secure.
- Travel Insurance: We provide coverage for students, seniors, and frequent travellers no matter where they roam.
Whatever your situation, BIG can draw up creative and all-encompassing car insurance solutions for the coverage you need. After you’ve let us develop a car insurance policy, BIG can find the right life, home, business, or travel policies to protect you.