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In the picture you can see the info one needs to share to a insurance company to get an auto insurance quote. Things like Your age, gender, make and model of your car play a roll in how much you will need to pay monthly on your auto insurance.

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Welcome to our padlet page! The topic our group chose is auto insurance. We will be showing informative websites, pictures, and videos for you to support our topic. As well as our personal input on auto insurance with the conclusion and reflective questions. Hope you enjoy!

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In the second picture, you can see the important steps to making an auto insurance claim. If you were to get in a car accident, these are the 5 steps you should be taking.

Call your car insurance company

Find out all the information you need and need to share

Schedule your car inspection at your auto repair shop

Pay your deductible fees

Repair your car

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Something we learned and found most surprising was how much your age and gender play a roll in your auto insurance. Males tend to have a higher insurance fee than females do. As well as younger drivers over older. This is based off past incidents of males being more "reckless" drivers than females. While younger drivers have less driving experience than older drivers, younger people are more likely to get into an accident.

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A real-life example of this topic we found relevant is just how we are at the age where we have our own cars and pay for our auto insurance. Auto insurance is something most people in Canada have and pay for since its illegal to drive a vehicle without insurance. This is why we picked this as our topic, because its something everyone who wants to drive a car will have to have. As well, if you aren't educated on it, you can learn a few things.

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If we could pass on some of our knowledge to a family member or friend, the most important thing would be how to make an auto insurance claim and what plays the biggest roll in how much you pay monthly on your auto insurance. This is because its very important to know what to do if you get in an accident and why your auto insurance payments are that amount with the factors based on you (gender, age, your car, type, etc.)

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In conclusion, we found it most important that while looking for an auto insurance company, you need to do your research and choose when that best fits you and your needs on driving. There are many different companies that will offer you different monthly rates, deductions, coverage, protection, and benefits. Doing your research on finding an auto insurance company that meets your needs is extremely important. It is also known, but driving safe and having a clear record brings you cheaper insurance and lots of saved money. So make sure you do so.

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https://www.youtube.com/watch?v=7cZRzJFEE3k

This video gives many different examples of how you can save money when it comes to car insurance. This video is useful because it gives you ideas that you can actually control rather than giving random stats and facts that you can not control to lower your car insurance rates.

Why I chose this video is because it is very educational about how to save money which I like. In this video I found it interesting that I could possibly get a discount on my car insurance by asking the company if they offer discounts for me being a student.

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How to Get Cheap Car Insurance in Canada (2024)

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On the TD website for Car insurance it is really easy to access car insurance. As soon as you enter the website the first thing you see is get a quote for your insurance witch i love as a first time car owner it gets straight to the point. It then tells the view how they can save money with TD.

Why i choose TD is because as a first time car owner i want a website that gets straight to the point and that's What TD does, i also picked it as they advertise how much you can save by using them.

https://www.tdinsurance.com/products-services/switch-and-save?cid=PMAXGeneric&cm_sp=:GOOGLE:PMAX+-+Insurance+-+Generic+-+English+(25_U_IN_ING_AO_ACQ_ENFR):TDI::%C2%A0&gad_source=1&gclid=CjwKCAiA3ZC6BhBaEiwAeqfvymwfm1YjI0NNzG6MME4ZKfZeGckiXiqz72ULf4h7fcD6qMbfBtD1hxoCKT0QAvD_BwE&gclsrc=aw.ds

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Switch and Save on Your Insurance | TD Insurance

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See how much you could save on your insurance when you switch to TD Insurance. Get a quote online and choose your coverage.

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This website advertise a five min quote. When you load into the webiste and click the Car insurance they make you put in your year make and model of your car. then the next questions are how many Km you drive in a year and how many are on the car etc. it is a very simple and quick way to get a quote.

Why we picked this website is we all know people who use this website and they all like using it. One person we know use this website and it tracks there driving and allows there insurance to be lower if there driving is good and meets there standed for it.

https://apps.belairdirect.com/wq/quote/car/1/info?language=en&province=on&f=c&intcid=pageo:soloBtnCar&organization_source=TARGETMARKETWBSEgezei

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https://www.youtube.com/shorts/IFxUElMr8No

This video demonstrates different facts and statistics that can go into getting car insurance and is directed towards first time drivers getting car insurance. It also talks about different reasons that peoples car insurance rates could be higher than the next persons no matter if there driving experience is the same or not.

I chose this video because it is very relatable as a young driver and educational about what makes up your rate for car insurance. What I found interesting about this video is that certain factors that do not have to do with you as a driver can effect your rate such as the colour of your car because statistically certain colours get in more accidents.

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Getting car insurance for the first time #shorts

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This website is the insurance Bureau of Canada and in this website it explains why we need auto coverage and what one each does. It has different types of insurance and it goes into detail explaining every one and what they cover.

we picked this website as a Canadian you need to know what to have to cover your self and your car so you are covered incase somethings happen. it also helps you as if you live somewhere like north and you get a lot of frozen rain it tells you what one covers that and helps you based of where you live

https://www.ibc.ca/insurance-basics/auto/types-of-auto-coverage

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Insurers design auto coverages to respond to common property and liability risks, including:

You as a driver, your passengers and anyone else involved in a collision involving your vehicle

Privately owned or leased cars, trucks, motorcycles and mopeds

Commercially owned or leased cars, trucks or fleets of vehicles

Motorcycles, mopeds, motor scooters and motor-assisted bicycles

Seasonal vehicles such as ATVs, off-road vehicles, recreational vehicles (RVs), snowmobiles and classic cars.

Your coverage is designed to respond if your vehicle is damaged because of a collision or other covered event. It may also provide protection if you are sued for causing damage to another vehicle or injuring someone.

Established by each province and territory, mandatory auto insurance is the minimum amount of coverage every vehicle owner must purchase and - depending on your province or territory - includes third-party liability, direct-compensation property damage, accident benefits and physical damage coverage. Additional auto insurance coverages may be available.

Collision, specified perils, comprehensive and all perils coverages are among the additional coverages available for your vehicle. In general, these coverages are very similar across Canada.

Mandatory auto coverage

Each province and territory sets the mandatory or minimum amounts of coverage every vehicle owner must purchase - and those mandatory car insurance requirements are subject to change.

Regardless of where you live, driving without insurance is a very serious offence. If you are convicted of driving without insurance, you may be considered a "high risk" driver by insurers and may be charged a higher premium or refused insurance. Before you put license plates on your car, renew your vehicle registration or buy a temporary (trip) permit, you need to purchase car insurance. In the event of a collision that results in injuries to you, depending on your coverage and eligibility, your mandatory insurance coverage may:

Provide protection for liability for bodily injury or death of a person or damage to property because of the ownership/use or operation of your vehicle

Provide coverage for physical damage to your vehicle if you reside in a province where direct-compensation physical damage (DCPD) is mandatory and you have not opted out of that coverage.

Help provide the medical/rehabilitation care to get you well

Provide financial assistance to you if you are unable to work

Provide financial protection if you hurt someone and are sued

We recommend you consult with a local qualified insurance representative for further assistance.

Additional auto insurance coverages
Note that all loss or damage coverages are subject to the specific limits, deductibles and exclusions outlined in your policy. The following examples are provided as general information only. Please review your insurance policy and talk to your insurance representative about your specific auto coverage.
Collision

An underground parking garage door closes on your car, or your vehicle slides off an icy road and is damaged. These are some of the types of situations that optional collision coverage is designed to respond to.

Collision or upset coverage pays for damage to your vehicle caused by a collision with another object or vehicle or if it rolls over. It's also important to know that:

if your car is leased or financed, collision insurance is likely a mandatory requirement

non-collision related damage - for example, theft of your vehicle - is not covered

if you own your car, you may decide to not purchase collision insurance

if your insurer determines that repairs cannot be made to your vehicle (or it's been "written-off), the amount you will receive is listed on your policy

property stolen from your car or damaged in a collision may also be covered by your home, condo or tenant insurance

Specified perils

A peril is an event that is unexpected and accidental, for example:

Your vehicle is stolen and never recovered or is recovered with substantial damage.

Fire engulfs your next-door neighbour's house, spreads to your garage and destroys your insured car.

Large hail from a severe storm damages your truck.

Specified perils coverage responds to losses caused by the perils specified in your auto policy and may include:

Earthquake

Riot or civil disturbance

Rising water

Theft or attempted theft

Falling or forced landing of aircraft or parts of aircraft or the stranding, sinking, burning, derailment or collision of any kind of transport

Comprehensive

High winds cause flying debris that damages your car. Vandals break into your garage and damage your truck. These are examples of damage or loss covered by comprehensive coverage.
Comprehensive coverage includes all perils, except for:

All perils

This optional coverage is designed to respond to all causes of loss except for those specifically listed as exclusions in your auto policy. An exclusion specifies the hazards, perils, circumstances or property not covered in your policy.

All perils coverage is also designed to cover loss or damage caused if your vehicle is stolen, used by someone else in your household or someone hired to drive your vehicle. A peril is a chance event that is unexpected and accidental.

How property and liability auto coverage work

Property coverage is designed to respond if your vehicle suffers damage due to a collision or other covered event.

Liability coverage will provide protection if you are sued for causing damage to another vehicle or injuring someone.

Ask your insurance representative about how your specific car insurance coverages will respond in the event of loss or damage.

Key facts about coverages

Commercial auto coverage is necessary for personally owned vehicles that are used for business purposes - such as ridesharing or food delivery.

A standard auto policy excludes coverage if the vehicle is used to carry paying passengers. If you sign-up to work for a ridesharing company, contact your insurance representative to make sure you have proper coverage.

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Regardless of where you live, if you own, lease or finance a vehicle, purchasing auto insurance is mandatory across Canada. Beyond securing the mandatory coverage set out by each province and territory, you can select additional coverages like loss of use coverage or collision forgiveness protection - amongst many others.

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https://www.youtube.com/shorts/793Y3_PDppY

This video talk about how auto insurance prices in Canada are going up and are going to continue to go up and why that is. In the video above the guy talks about how since the crime rate is increasing for auto theft the insurance companies are increasing there rates to compensate for this.

I chose this video because it is very relevant as it directly affects me and my peers for how much we are paying monthly for our auto insurance. I found it interesting how even if you have never claimed a theft your insurance will still be going up because companies are upping it for everyone.

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MASSIVE increases in car insurance rates are hitting Canadians 😱🫢 #canada #viral #cars #insurance

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https://www.youtube.com/watch?v=frSZGLaXTUM

In this video the gentlemen talks about how auto insurance does not look the same for everyone. He talks about how everyone has different needs and wants when it comes to auto insurance when it comes to what your covered for.

I chose this video because it was very educational about what is more important versus other things when it comes to auto insurance. He talked about how the most important thing is to have good liability insurance in case of an emergency so you do not get sued out of your pocket.

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How Much Car Insurance Do I Actually Need?

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This website is from the Canada website and it explains Auto Insurance. It has links that take you to diffrent parts of the website and explains it to use and helps you understand it better

why we choose it is because it works in with all of our other links we have two where you can buy insurance and one that helps you pick that right one and this one will help you understand it better

https://www.canada.ca/en/financial-consumer-agency/services/insurance/car.html

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Understanding car insurance

Car insurance is a protection you must purchase if you own a car or other vehicle. It protects you in case of an accident. Car insurance may protect you from:

having to pay to repair your car or other vehicle after an accident

liability claims if you're responsible for an accident causing damage

Insurance companies may refer to car insurance as property and casualty insurance. Property and casualty insurance also includes home insurance, business insurance and disaster insurance.

If someone who isn't on your policy has an accident with your car, your own premiums may increase.

Who your car insurance policy covers

If you get into a car accident, your insurance may cover:

the driver

all passengers

other people involved in the accident

In some provinces, injured passengers or other people involved in the accident must make a claim with their own insurance first.

If you have additional drivers, you must list their names in your insurance policy. Additional drivers include other drivers in your household who may use your car. For example, to drive to school or work. If they have a poor driving record, your premiums may increase.

Car insurance policy coverage

Coverage is the maximum amount of money your insurance company will pay you if you make a claim. Ask your insurance company what coverage your policy provides.

Liability insurance

Liability insurance covers losses, such as injury or death that your vehicle causes to other people. It also covers damage your vehicle causes to other vehicles. You may need to pay the balance of the settlement yourself. For example, if the cost of the loss or damage is higher than your liability limit.

Liability insurance doesn't cover the cost of repairs to your own vehicle. You may need to consider additional insurance to cover these costs.

Accident benefits

Accident benefits cover the cost of your own medical expenses and loss of income following a car accident.

Quebec residents are covered for injury or death by Quebec's public automobile insurance plan. Premiums are part of your driver's licence registration.

Additional insurance coverage

Your car insurance policy may also provide you with additional benefits.

Collision insurance

Collision insurance covers the cost of repairing or replacing your car if you hit another car or object. Insurance companies may include it in your mandatory insurance coverage.

Comprehensive insurance

Comprehensive insurance covers the cost of repairing or replacing your car due to other types of damage or loss. This may include:

Comprehensive insurance doesn't cover certain loss or damage to your car. For example, if you hit another car or object in a collision.

Optional insurance coverage

Depending on your driving record, you may not be eligible for all types of optional insurance.

Optional insurance pays for risks not covered in your basic policy. Insurance companies call this a rider or an endorsement.

You may also want to consider additional insurance coverage for:

renting a car or using alternate transportation while your car is at the garage

repair of physical damage to a rental car

emergency road-side assistance

collision forgiveness which keeps your premium from increasing following your first accident for which you're at fault

depreciation to make sure you receive the full value that you paid for your car

What your car insurance policy doesn't cover

Most car insurance policies don't cover the loss of personal items. For example, when a thief steals golf clubs, clothing or personal electronics from your car. Your home or tenant's insurance usually covers these losses.

Check your home insurance policy to find out if it provides coverage for the theft of personal items from your vehicle.
Learn more about home insurance.
Car insurance premiums

Premiums are the amount you pay to buy insurance.

When determining how much you'll pay for premiums, insurance companies may consider factors like:

your age

your gender

where you live

your marital status (for young drivers)

what car you drive

how much you use your car

your driving record

your claim history

the type of coverage you choose

the amount of your deductible

A deductible is the amount of your claim you agree to pay before your insurance company pays the rest.

Shop around for the lowest insurance premiums

Your premiums will vary from one insurance company to another. Shop around, ask for quotes, and compare prices before deciding on one insurance company. In some cases, you may be eligible for a discount by combining your home and car insurance.

When shopping for a car, check the insurance rating for the car you're thinking of buying. Insurance companies assign ratings based on the claims made on different makes and models. Cars with better ratings are cheaper to insure.
Learn more about car insurance ratings.
In certain provinces and territories, insurance companies may charge higher premiums based on your credit score.
Learn more about how insurance works.
What to do if your car insurance premiums increase

In certain cases, your car insurance premiums may increase. If it does, re-evaluate your needs. Review your insurance needs with your insurance company. Consider asking about the following options to lower your car insurance premiums:

raising your deductible

dropping collision coverage if your car has a low resale value

a package deal for insuring your home and car, or more than one car

Shop around and get quotes to compare prices from different companies and brokers. Make sure you're getting the best deal.

Car insurance settlement options

Your insurance company will review your claim and decide how it will settle it.

When you make a claim, you're always responsible for paying the deductible. How much money you get from your claim depends on your insurance benefits.

Repair or replacement

Your insurance company will pay for repairs to the same condition your car was in before the damage.

Betterment

You're responsible for the cost of any additional improvements to your car.

Write-off

Your insurance company may decide to treat your car as a write-off instead of repairing it. For example, if the cost to fix your car is more than its value before the accident. In that case, your insurance company will provide you with a cash settlement. They base the settlement on the value of your car before the accident.

Settling a claim if you have a car loan

If you have a car loan, your car insurance policy will usually include a loss payee clause. A loss payee clause makes your lender your beneficiary. In case of loss or damage to your car, your insurance company will pay your lender (your beneficiary). They'll pay up to the balance of your car loan when you make a claim.

When you make a claim, your insurance company may, at its discretion, give the money to either:

you, so you can fix your car when you submit a claim

your lender, who would then give you the money for repairs after you submit receipts as proof

Related links

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car insurance; car insurance policy coverage; liability insurance; accident benefits; collision insurance; optional insurance; premiums; premiums increase; additional insurance; collision assurance; comprehensive insurance; optional coverage; premiums; settlement options; car loan;

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Information on several aspects of car insurance, policies, coverage, premiums, settlement options and settling claims when you have a car loan.