auto insurance faq

We've arranged answers to your auto insurance faq all in one place so you can get peace of mind with a side of convenience.

about your rates

How is my rate determined?

Your car insurance premium is determined by a variety of factors, and no 2 policies will be the exact same. Your driving record, location, and age are a few of the most important determiners. Those who have accident-free experience behind the wheel and live in less congested areas can usually get the most affordable rates.

Other factors insurers might use to calculate your premium include, but aren’t limited to:

  • Marital status
  • Gender
  • Make and model of your car(s)
  • Kilometres you drive per year
  • Insurance Score
  • Insurance history

How do I compare rates among companies?

It’s important to look at more than just the premium alone. Make sure the coverages, limits, discounts, deductibles, and payment schedules all match up across different companies when comparing quotes.

Why did my rate increase?

If your premium at quote time is lower than what you’re asked to pay when the policy actually starts, there are a couple likely explanations: you may have left important information off when you got your quote, like past accidents, or you failed to submit required documents, such as proof of completing a driver training course. You will receive plenty of warning before this type of rate increase happens.

A premium increase when you renew your car insurance typically results from having accidents or violations, moving to a new postal code, or losing a previous discount. Sometimes, however, your premium can change not because of anything you did. For example, if claims have gone up in your area recently, your rates could increase to account for the added cost.

What are my payment options?

You can pay your car insurance premium all up front or in monthly instalments.

Can I get auto insurance discounts?

Yes! Esurance offers drivers auto insurance discounts, including Multi Vehicle and Driver Training.

about your coverage

What is a deductible?

A deductible is the amount you must pay out of pocket before your car insurance coverage will kick in. So if you had damage to your vehicle that cost $1,000 to fix and you had a $250 deductible, you’d pay the first $250 and we’d cover the other $750.

Typically, the higher your deductible, the lower your premium.

What auto insurance is required?

All drivers must carry third-party liability insurance, which helps protect your finances if you cause others' property damage or bodily injuries, as well as accident benefits coverage. You can find detailed coverage information on your province for an even clearer picture.

How much auto insurance should I get?

With liability insurance, a common option is the $1,000,000 limit for drivers who mainly stay within their province. For drivers who regularly travel throughout Canada and/or to the U.S., the $2,000,000 option will offer even more security in case you cause a mishap.

Really, when choosing limits for liability coverage and any supplemental coverages, the golden rule is to purchase as much as you can comfortably afford. Other common factors to consider are your financial picture, your driving habits, and your area's driving risks (heavy traffic, bad weather, etc.).

Am I protected from hit and runs?

Yes, you'll be covered by your accident benefits coverage if struck by a hit-and-run driver. You must file a police report for an accident to be considered a hit and run.

Is my car covered outside of my province?

Yes, your Esurance coverage is valid throughout Canada and in the U.S.

Who else is allowed to drive my car?

Anyone listed under your policy or those who have your permission will typically be covered when using your car.

Do I have to add a newly licensed teen to my policy?

Yes. If you allow your teen to get a driver's license, he or she must join your policy and will enjoy the same coverages and benefits you do.

What is no-fault auto insurance?

In provinces that practice pure no-fault auto insurance, drivers go through their own insurance company for settlements regardless of who caused the incident. So even if someone else ran into you, you'd still use your own car insurer to handle repairs and injury bills, not the at-fault driver's.

Some provinces, such as Alberta and Ontario, use a partial no-fault system. In Ontario drivers go through their own insurer initially, but may be allowed to sue the at-fault party if the damages reach a high enough level. And in Alberta, no-fault is in place for accident benefits coverage, but the traditional tort system applies to bodily injury and property damage liability.

about your claims

What should I do if I have a car accident?

Once you're safe and sound and your vehicle is out of the way, simply get in touch with us. Our dedicated claims reps are standing by 24/7/365, and you can file a claim online or over the phone anytime.

What info will I need to file my claim?

It helps to have:

  • Insurance and contact information from any drivers involved
  • Contact info of witnesses
  • Photos and police report numbers (keep that smart phone handy)
  • Detailed information about the incident and items damaged (if a non-collision incident)
  • Emergency responders’ names and reports numbers (if any are called to the scene)

Do all claims impact my premium?

Not all claims, necessarily. Typically, an at-fault claim could result in your premium going up.

Can I get a rental car if my vehicle is in the shop after an accident?

Yes, if you have a loss of use endorsement on your Esurance policy, we'll help cover the cost of a rental vehicle while you wait for your car to be fixed. In cases where the other driver is at fault, you may also be reimbursed for the cost of a rental car while yours is being repaired.

Keep in mind you must have comprehensive and collision coverage to qualify for the loss of use endorsement.

What does it mean if my car is totalled?

It means the cost to repair your car is more than its value. If you have a total loss, you'll likely receive a settlement for the vehicle's actual cash value instead of repairs.