Autoplan insurance

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What affects your Autoplan 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 or use your vehicle

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


Claims history  

Your insurance and 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 insurance and claims 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 extended third-party liability to protect you, your family and your vehicle—will add to what you pay.

Your deductible  

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.

We take your vehicle and group it with similar vehicles based on factors like body style, horsepower, costs of repairs and vehicle price. Each group of similar vehicles is assigned a vehicle identification code (VIC) to help calculate the price of your insurance like cars, minivans, SUVs and light trucks.

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