Low-mileage Car Insurance In Canada: Savings For Occasional Drivers – With Promotel insurance you get more than car insurance. Whether you’re going to work, the grocery store, the gym or soccer practice, we’re there to take care of you and your loved ones.
For almost 170 years, we’ve been committed to insuring Quebecers like you. We recommend the best car insurance for your needs and make it easy if you have questions or a claim. For us, the most important thing is to provide you with peace of mind on the road.
Low-mileage Car Insurance In Canada: Savings For Occasional Drivers
At Promotel Insurance, we offer many car insurance discounts designed to lower the premiums of our insured members. Join us and start saving.
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Insuring your car and home with Promotel Insurance—that’s a great idea! You’ll save up to 10% and get extra coverage for free.
Cars, Motorcycles, ATVs, Snowmobiles and more: Insure all your vehicles with Promotel Insurance and save up to 10%.
Promotel Insurance will give you a discount of up to 5% of your anti-theft cover, depending on the type of anti-theft system your car has.
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Get a discount on your collision cover if you’re a full-time university or CEGEP student aged under 24.
Let the APPI program bring you a good smile while driving! Get all sorts of rewards just by being a good driver.
Customer Space Designed to make your life easier, your Customer Space is convenient, always accessible and secure. It stores all your insurance documents in one, easily accessible place.
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In Quebec, civil liability is mandatory to cover damages and injuries to others caused by your vehicle. This is what some people call “one way” insurance!
Get ‘two-way’ car insurance by adding property damage coverage to your policy. Perfect when buying or leasing a new car!
Covers all types of damage to your vehicle, equipment and accessories, except as specified in the policy.
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Damage to your vehicle in the event of theft, fire, hail or broken windows, among others.
Damage to your vehicle from specific perils listed in the policy, including fire and theft. This is the least broad coverage.
If you are involved in an accident and your car is totally damaged, we will replace it with a new car of the same specification and we will not make any depreciation deductions.
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It covers the cost of car hire, taxis and public transport if you are unable to use your vehicle after a covered accident.
We’ll pay up to $75,000 for damage to a car you rented or borrowed in Canada or the United States.
In addition to the commitment of our common associations in the heart of the regions, discover the tips and tricks of our experts. Interesting articles that will help you protect yourself and avoid the dangers of the road. Enjoy reading! From rates to injury claims, there are a few key ways that car insurance differs between Canada and the United States. Consumers who move from one country to another may be interested in how their insurance rates will adjust.
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There are several ways to look at car insurance in Canada versus the United States. On the side of similarity, both require proof of auto insurance coverage and a minimum amount of liability. Both countries have the same process for searching for insurance. Differences include who pays insurance claims, no-fault policies, minimum policy requirements, and more.
One of the biggest differences is who pays for insurance claims in Canada versus the United States. In the United States, your insurance provider will cover your personal injury claim. However, in some Canadian provinces the government actually pays for the claim.
However, there is one condition. The government only brings a claim if it is an injury claim. The government will not pay for damage to vehicles or property. Canadian private insurers will pay for damage claims, just as they do in the United States.
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Meanwhile, in the United States, the insurance company is only responsible for paying out insurance claims, regardless of the type of damage involved.
Several routing requirements differ between these two countries. For one thing, in the United States, drivers must register their vehicles and obtain insurance for them separately, and it is illegal to register a vehicle that is not insured.
In Canada, however, a vehicle is considered insured as soon as it is registered. If the driver pays for insurance, the vehicle is unregistered and illegal to drive. This makes the process of getting insurance a little easier than in the United States.
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Another big difference is that in the United States, while the minimum requirements vary by state, they still only require liability coverage. Only 12 states follow a no-fault insurance system.
On the other hand, Canada requires more than just liability coverage. Depending on where you live, you may need more coverage for medical and other expenses. Compulsory coverage in Canada must also cover accident benefits, uninsured motorist benefits and DC-PD (Direct Compensation – Property Damage).
All insurance in the United States is administered through private companies, and there is no government program that provides insurance. There are private and public insurance programs in Canada.
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Although the way claims are paid and the methods related to registration and insurance differ, fortunately insurance does not change much across borders. For those moving from the US to Canada or vice versa, you may not even need to get a new insurance provider. Many of the best auto insurance companies sell insurance policies in both the United States and Canada.
Because of this, many drivers may stay with their current provider. Many discounts, such as anti-theft and safe driver discounts, will apply to US and Canadian based drivers.
Because Canadian drivers are required to have more coverage than US drivers, you may need to renew your policy if you cross the border into Canada. Talk to your provider about your options and what needs to change.
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There is good news for visitors to both countries. US based insurance is valid for travelers in Canada and the same is true for those who have Canadian car insurance in the US. Liability and bodily injury coverage will extend to the US border if, however, it does not extend to Mexico.
Drivers traveling from the United States to Canada should also note that there are currently COVID-19 travel restrictions in place, including a mandatory 14-day quarantine and automated government requests to ensure compliance.
Those moving to the United States should know that they can legally get by with less insurance, although it is still safer and more expensive to have full coverage in the event of an accident.
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Both Canadian and American drivers need to optimize vehicle costs, including maintenance and mileage, and that includes finding affordable insurance. Fortunately, there are many insurance comparison tools available online that offer insurance quotes in both countries.
If you’re moving, you may also want to check and compare insurers and see if there are any new discounts you can add to your policy, even if your insurance provider will remain the same across the border.
You should also consider whether your driving habits will change after your move. Will you switch to telecommuting entirely or will you need to start traveling longer? All of these changes will govern how your insurance rates are calculated. You may need to switch to a pay-per-mile policy or see if you qualify for a safe driver discount.
Cheap Car Insurance
Another way to save on insurance is to install safety features in your car, such as anti-lock brakes or passive restraints. These and other features can often get you big discounts in both Canada and the United States.
Car insurance often costs more in Canada than in the United States, especially in some provinces like Ontario. This is because Canadian car insurance requires more coverage and has higher payout limits. So while the insurance is technically comparable in terms of value, it costs more because of the higher coverage required.
No matter what you choose, know that there are many ways to improve your insurance and car savings if you’re moving from Canada to the United States or vice versa.
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Deborah Goldberg writes and researches about auto insurance and savings for the auto insurance comparison site CarInsuranceComparison.com. She is passionate about financial freedom and educating consumers on how to save money in an emergency.
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