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What affects your premiums?

Like any insurer, we try to match insurance costs to a driver's and a vehicle’s risk—that is, the likelihood of a claim in the future.

The main factors we look at 

How use vehicle

How you use your vehicle — Your premiums reflect the amount of time you spend on the road and the different conditions you drive in.  More about rate classes

Where you live

Where you live — We divide the province into territories based on geography, because traffic and other driving risks vary around the province.

Claims history 

Your claims history — A crash-free record gives you discounts on your Autoplan premium. If you’ve had at-fault crashes, you could be paying more.  Check how your claim history can change your premium.

If you choose to buy Optional coverages, there are a few more factors

Level of protection

The type of protection you choose Optional products—like Collision, Comprehensive or extra third-party liability—that protect you, your family and your vehicle will add to what you pay.

Your deductible

Your deductible is the amount you pay in a claim before we cover the rest. The lower the deductible, the more your coverage will cost.

Vehicle you drive

The vehicle you drive — The age, make, model and features of the vehicle you drive, along with its repair costs, affect your premiums.

Talk to your Autoplan broker if you have questions about how your insurance is calculated and how you can save money.