Car Insurance – New Brunswick

Yes! If you fill out our car insurance quotation form we can assist with car insurance quotes. One of our auto advisors will be in touch to check your details and provide you with a car insurance quote.

Yes, we’re here for you from policy purchase through to support and renewals. We’ll guide you through the renewal process to ensure your coverages are still right for you.

A deductible is an amount that you have to pay when making a claim regarding damage or theft of your vehicle. So, if you have a $500 deductible for example and you have a fender bender, you have to pay that $500 in order to get your vehicle repaired. You can choose to buy down your deductible, which means you will pay slightly more for your insurance but less at the time of a loss.

Your cost is mostly based on the premium rating of your vehicle. The type of vehicle and cost all impact the rating. Another factor that is used to determine the price is your claims history. The better the driving history, the higher the discount. It definitely pays to drive safe!

Your deductible applies when you need to submit a claim due to damage to your vehicle. Whether that’s paying your deductible to get your windshield replaced or you have significant car damage, your deductible applies to all. Each incident of loss requires a deductible. For example, if you have a crack in your windshield and then someone sideswipes your vehicle, that would require two claims to be entered and, therefore, two deductibles.

Ultimately the decision is up to you. You know your driving history and past experience the best. It may make sense to stick with the lower deductible based on the use of the vehicle, or in some cases, it may make more sense to purchase a lower deductible for a car that is being used on a more regular basis. Whatever you choose, make sure you’re adequately covered! If you have further questions, don’t hesitate to contact us. We would love to help you out with your insurance needs and questions!

Third party liability is the portion of your insurance coverage that protects you if you’re held legally responsible for an injury due to an accident or damage to property. This helps cover the costs of legal fees, money to settle a lawsuit and other expenses related up to the limits identified in your policy.

Included in your basic insurance policy is $500,000 third party liability with the option to increase it. Depending on the use of your vehicle, you may feel confident leaving your liability at the basic amount. If you choose to keep it at the minimum and have an accident that is over and above $500,000 you will personally be responsible for paying the difference. For example, you could be driving in the rain and hydroplane, not far-fetched in New Brunswick, and lose control and run into a business’s building. Rebuilding costs, lost wages, structural damages, and more could easily cost more than $500,000. If you had higher liability, you would be better covered and less likely to have to pay out of pocket.

First party is the insured, so yourself. Second party is the insurer, for example, if we are referring to an auto insurance policy. Third party is the person who is bringing legal action against the insurer. Therefore, if you lose control and drive into a business building, that business owner is now the third party in the equation.

Choosing your third party liability will depend on where and how often you are using your vehicle and ultimately your comfort level.

Third party liability insurance is mandatory on all basic policies, so no matter what, you will carry $500,000. To increase your coverage, stop into one of our offices, and we can bump up the coverage to a comfort level that works for you.

It is so important to understand what you are liable for and how you can be properly covered! We’ll be happy to help you find the best coverage for you.

This covers damage caused when your vehicle has an impact with another object such as another vehicle, building, guardrail, or roadway, and also includes a rollover of the vehicle.

This car insurance coverages you for aspects not related to a collision. Coverages under comprehensive car insurance include fire, vandalism, theft, windshield damage, falling objects, collision with animal and other types of damage.

This car insurance coverage provides a well-rounded policy that encompasses the benefits of both comprehensive and collision coverage.

This will cover your expenses should you need to rent a vehicle while your car is being repaired or replaced, as long as an insured peril caused the damage.

This insurance coverage is included for vehicles that are owned or leased new. Coverage will add value back to your car. In the event of a loss, you won’t be put in a place where the depreciation on your vehicle becomes a negative financial impact.

Find yourself renting vehicles often? Whether for work or travel, you have the option to add on coverage specific to cars that you don’t own.

Yes. There is no additional charge when you pay all of your car insurance premiums upfront. Paying monthly installments may be more manageable, but you will be charged interest. If you fall behind on your payments, your car insurance will be cancelled, which could negatively affect future premiums.

There are several things that you can do to help lower your car insurance. Drive responsibly and keep a clean driving record. Increase your deductible—limit who can drive your car. Ask your car insurance broker to comparison shop for you. Discounts may be available when combining insurance plans.