When it comes to finding auto insurance in Canada, drivers with poor records often face unique challenges. However, several companies specialize in providing coverage for individuals with a less-than-ideal driving history. Below, we explore some of the top auto insurance companies in Canada that cater to drivers with poor records.
1. Aviva Canada
Aviva is one of the largest insurance providers in Canada and offers various options for high-risk drivers. They assess your individual circumstances and can often provide competitive rates, even for those with a poor driving history. Their comprehensive policies allow you to tailor coverages to fit your needs and budget.
2. Intact Insurance
Intact Insurance is known for its flexibility when insuring high-risk drivers. They have a range of products specifically designed to meet the needs of those with poor records. By analyzing your situation, Intact can help find the best policy that balances affordability and adequate coverage.
3. The Co-operators
This Canadian mutual insurance company prides itself on community-oriented service. The Co-operators provide specialized products for drivers deemed high risk. Their policies often include unique coverage options that can assist drivers to reinstate their records while still providing peace of mind on the road.
4. Definity Insurance
Definity Insurance is a popular option for those struggling to find coverage due to past driving offenses. With a commitment to understanding each customer's needs, they offer customizable packages that cater to high-risk drivers, ensuring they have the necessary protection without breaking the bank.
5. Wawanesa Mutual Insurance
Wawanesa is known for providing reliable insurance products across Canada. Their focus on affordability makes them an appealing choice for high-risk drivers. They also offer various discounts that can make a policy more manageable for individuals looking to reduce their premiums.
6. Economical Insurance
Economical Insurance has gained a reputation for providing coverage to a wide array of customers, including those with poor records. Their tailored policies take into account your driving history while still aiming to keep your coverage costs down. Economical’s wide distribution network also means that you can find local agents ready to assist you in finding the right policy.
7. RSA Canada
RSA offers comprehensive coverage options for drivers with challenging records. This insurance provider provides an array of products that include liability, collision, and other essential coverages designed for high-risk individuals. Their customer service team is dedicated to helping members navigate their unique insurance needs.
Tips for Getting Auto Insurance with a Poor Record
If you have a poor driving record, consider the following tips to secure more affordable auto insurance:
- Shop around and compare quotes from multiple companies to find the best rates.
- Consider increasing your deductible; this can lower your monthly premiums.
- Ask about discounts—many providers offer discounts for safe driving courses or bundling multiple policies.
- Maintain continuous coverage, as lapses in your insurance can result in higher premiums.
- Look into usage-based insurance programs that track your driving habits and can lead to lower rates.
In conclusion, while having a poor driving record can make finding affordable auto insurance in Canada more difficult, several companies are ready to help. By exploring options and following best practices, high-risk drivers can secure the coverage they need at a reasonable cost.
