Car insurance quotes – Westland Insurance
Getting a car insurance quote with Westland is easy!
- Input your details: Provide basic information about you and your vehicle.
- Receive a free auto insurance quote: A Westland advisor will run you through your options, including car insurance estimates from Westland’s large network of insurers if you’re in a private auto insurance province; or coverage options and premiums if you’re in a public auto insurance province.
- Make your choice: Your Westland advisor will help you compare car insurance rates select the right coverage at the right price, then will finalize your quote on your behalf.
At Westland, we always go above and beyond to connect clients with the best car insurance quote and coverage that works best for them.
Why choose Westland for car insurance in Canada?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way, and do the legwork to provide personalized coverage solutions that fit our clients’ lives.
Our large network of insurers means more choice
We have a large network of insurers that we can tap into – guaranteeing the best car insurance quotes and options – so clients know they’re not missing out.
We work hard to make things simple
Whether it comes to comparing car insurance quotes or navigating a claim, we keep things simple and use language that everyone can understand.
Our advisors are part of your community
Westland advisors are local, so they understand the unique needs of your community. And they’re easy to get hold of in person, over the phone or by email.
We’re here for you when you need us most
When it comes to the claims process, we advocate for our clients and take the stress off them during a tough time. We’ve always got their backs.
A one-stop insurance shop
We’ve got you covered. From high-value and cross-border coverage to small businesses and complex risk management for enterprises, our expertise is unmatched.
Canada’s best reviewed insurance provider
We’re obsessed with providing the very best in client service, which explains our Google rating of 4.7 stars based on over 50 thousand reviews.
Award-winning service
Incorporating a broker’s services can significantly enhance the experience of obtaining and managing your car/auto insurance, providing expert advice, more choices, affordable car insurance quotes, and valuable support.
Driven by purpose
Since 1980, we’ve supported our local communities. Each year, we commit $1m+ into initiatives spanning DEI, food insecurity and more.
Car insurance by province
Factors affecting car insurance quotes in Canada
A history free of accidents and violations can significantly lower your car insurance rates.
The make, model, and year of your car can influence repair costs and risk assessments.
Urban areas, especially those with higher instances of theft and accidents, may see higher car insurance rates.
Age, gender, and even marital status can play a role in determining your car insurance rate.
The frequency and purpose of your vehicle usage can impact your car insurance rates, as can the total annual mileage.
Understanding insurance coverages
Each province operates under a unique car insurance system. Some provinces have a private insurance market, while others have a public or mixed (private & public) market. Each province has a minimum amount of coverage required to drive, as well as optional coverages drivers may choose to add to their policy for increased protection.
- Mandatory coverages: These are the legal minimums required in your province, typically including Liability, Accident Benefits, and Uninsured Automobile coverage.
- Optional coverages: Coverages like Comprehensive and Collision insurance provide extra layers of protection for scenarios beyond accidents, such as theft, vandalism, and natural disasters.
Mandatory and optional coverage vary by province. Speak to a local insurance broker to ensure you have adequate coverage to drive in your province.
Car insurance by province
Insurance regulations, requirements, and average premiums differ across provinces. Our detailed guide covers each province’s specific car and auto insurance landscape, helping you understand how your location influences your insurance options.
System: Private insurance market.
Mandatory coverages: Includes Liability Coverage, Direct Compensation, Uninsured Automobile Coverage, and Accident Benefits.
Average Premiums: Among the highest in Canada, influenced by urban density and fraud rates in regions like the GTA.
System: A mix of public (SAAQ) and private insurance.
Mandatory Coverages: Public insurance covers bodily injury, while private insurers cover property damage.
Average Premiums: Generally lower due to the unique hybrid system.
System: Primarily public insurance through ICBC.
Mandatory Coverages: Includes basic Liability, Accident Benefits, and Underinsured Motorist protection.
Average Premiums: High, but reforms aim to reduce costs.
System: Private insurance market.
Mandatory Coverages: Third-party Liability and Accident Benefits are required.
Average Premiums: Vary widely, with urban areas typically seeing higher rates.
System: Public insurance provided by MPI.
Mandatory Coverages: Basic all-perils coverage, including liability, accident benefits, and uninsured motorist protection.
Average Premiums: Relatively stable due to the public model.
System: A blend of public (SGI) and optional private insurance.
Mandatory Coverages: Basic coverage provided by SGI, with optional enhancements from private insurers.
Average Premiums: Mid-range.
System: Private insurance market.
Mandatory Coverages: Standard Liability and Accident Benefits.
Average Premiums: Relatively high, with efforts to reform the system for affordability.
System: Private insurance market.
Mandatory Coverages: Includes Liability, Accident Benefits, and Uninsured Motorist coverage.
Average Premiums: Moderate, with competitive private market options.
System: Private insurance market.
Mandatory Coverages: Standard Liability, Direct Compensation, Accident Benefits, and Uninsured Motorist coverage.
Average Premiums: Generally moderate, influenced by regional risk factors.
System: Private insurance market.
Mandatory Coverages: Includes Liability, Accident Benefits, and Uninsured Motorist protection.
Average Premiums: Among the lowest in Canada, benefiting from a smaller population and lower risk levels.
System: Private insurance markets.
Mandatory Coverages: Standard Liability and Accident Benefits.
Average Premiums: Varied, generally higher due to remote locations and transportation costs.
Ways to save on car insurance in Canada
The best way to save on car insurance in Canada is to maintain a safe driving record. The less incidents you have on record, the less you’ll pay for car insurance in your home province. Doing your research on a vehicle before purchasing or leasing it is another way to ensure your premium is within budget – certain cars (like newer models with more safety features) cost less to insure than others.
Depending on where you live, you may be able to save more by taking advantage of discounts or by bundling your policies. For more information on how to save on your car insurance policy, speak to one of Westland local insurance experts.
FAQs about car insurance in Canada
The cost of car insurance in Canada varies greatly depending on where you live, your driving history, your vehicle, and more. The best way to figure out how much your car insurance policy will cost is to start a free auto insurance quote.
The best way to save on car insurance in Canada is to maintain a safe driving record. Depending on the province you’re in, you may be able to take advantage of discounts on your policy and even bundle products – like home and auto – for additional savings.
If you’re in a province with a private or mixed market, it’s important to compare car insurance quotes to ensure you’re getting the best priced coverage.
In general, you must have a valid Canadian driver’s licence and a registered vehicle to get car insurance in Canada. Rules and regulations vary by province, so it’s best to speak to a local advisor for the most accurate information.
You can start an online car insurance quote or visit one of Westland’s branches near you to get a car insurance quote. Our local advisors are happy to help you compare car insurance plans to find one that suits your needs and lifestyle.
Get a personalized quote
We always go the extra mile for our clients, and our 4.8 rating from over 50,000 online reviews shows our commitment to providing exceptional insurance products and services. Fill in your information and we’ll ensure you get the best policy options and rates available.
News and insights
Get a quote & buy car insurance with confidence
Find the best car insurance quotes with Westland Insurance. Our network of providers mans you have access to instant car insurance quotes with reputable companies, allowing us to get you the car insurance you need for peace of mind.
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