Auto insurance by province (2024)

FAQs

How do you answer insurance claim questions? ›

Think deeply about the exact question the agent asked, and only provide that specific information. Never admit to fault. Never admit to even being partially at fault. Never admit that you are uninjured.

Insurance fraud is a significant concern for the industry. By asking questions, companies can verify the accuracy of their claims and prevent fraudulent activities. This ultimately keeps costs down for honest policyholders.

Oklahoma, Kansas, Nebraska, Florida, and Colorado are the most expensive states for homeowners insurance. Oklahoma has the highest average cost of homeowners insurance at $5,858 per year. Below, you'll see the top five most expensive states for homeowners insurance.

Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils. There are many types of insurance policies. Life, health, homeowners, and auto are among the most common forms of insurance.

A new report(opens in a new tab) has found that B.C. and Saskatchewan were among the provinces with the lowest car insurance rates in Canada, while rates in Alberta and Ontario were the most expensive.

On average, young men pay much more for car insurance than young women. This is because car insurance providers find men to be riskier drivers than women, especially when they are younger. When they are older, women start to pay slightly higher rates.

Why Is My Car Insurance So High? Your car insurance may be expensive because of your driving history, location, vehicle or credit history. Recent insurance claims and violations can increase your rates for three to five years. On the other hand, it's possible you also just have a more expensive car insurance company.

A lapse (or several lapses) in car insurance coverage can lead to higher premiums, so the longer you've been consecutively insured, the less you can expect to pay for your car insurance policy, in general. When you get your Esurance quote, we ask you how long you've been continuously insured.

Why do insurance companies follow you? ›

Insurance Companies May Hire People to Follow You

They can contract with private investigators or hire their own. Regardless of who they use, their goal is the same; to try to catch you in the act of doing something that they can use to reduce your financial recovery.

To wit, five states have uninsured rates of 10.0% or greater, with Mississippi leading the charge at 15.9%. Runners-up include Texas, Georgia, Tennessee and Kansas, all of which, along with Mississippi, are states without expanded Medicaid, Sangameshwar notes.

According to our rate averages, the most expensive car insurance often comes from The Hanover Insurance Group. The company's average rates for both liability and full-coverage insurance can be more than 400% higher than the national average.

Many factors contribute to Allstate being expensive, including rising costs for insurance companies and the way it pays its agents. Damage claims and payouts also factor into its higher-than-average rates.

An insurance claim is a formal request from the policyholder to their insurance company asking for payment after a covered incident, such as a hospital stay, a natural disaster, theft, and more.

Give your name, address, policy number, and the date and time of your loss. Make sure to tell your insurance agent where you can be reached, especially if you are unable to stay in your home. Follow up the call with a letter detailing the problem. Keep a copy of the letter.