You don’t drive the same car or truck as everyone else…why choose the same automobile insurance?

Tailor your vehicle’s insurance to suit your needs. Consider the following when choosing the type of automobile insurance that is right for you:

Personal Liability & Property Damage (PL&PD) Insurance

By law you must have insurance in the event of personal liability (for example, you back up and hit someone) or property damage (for example, you back up and hit someone’s fence). This is called PL&PD insurance. If an accident occurs causing damage to a person or their property, this third-party liability insurance has you covered.

The Financial Services Commission of Ontario offers this advice on PL&PD:

While you are legally required to carry a minimum of $200,000, you may want to increase this coverage. The cost to increase your Third-Party Liability coverage to $500,000, $1 million or $2 million is small in most cases.

Comprehensive Insurance

Knowing you have insurance against theft, fire, or environmental damage provides peace of mind.  To discuss comprehensive coverage for your vehicle, speak to one of our Customer Service Representatives: we will ensure you are fully covered.

Bundling your car or truck insurance

Looking for the best rates? Consider keeping all your respective insurance plans together. Bundling your auto, home, life and/or health insurance plans can lead to cost savings.

Deductible Decisions

Deductibles are the amount of your own funds that you contribute when you make a vehicle insurance claim.

When purchasing insurance, you will have to decide what is best: a low deductible and a higher yearly premium OR a higher deductible with lower annual premiums.

Choosing a higher deductible is often the most cost-effective option. For example, choosing to have a $1000 instead of a $500 deductible can result in significant savings.

Contact us for a fair and honest quote for the auto insurance that fits your individual needs.