Finding the best car insurance for drivers with accidents in Canada can be a daunting task. Insurance companies view drivers with a history of accidents as higher risk, which can lead to increased premiums or limited coverage options. However, there are still ways to secure affordable and comprehensive car insurance despite these challenges.
Factors Affecting Car Insurance Rates
When searching for car insurance, it’s essential to understand the factors that insurers consider in determining rates. Some of these include:
- Driving Record: A history of accidents or traffic violations can lead to higher premiums.
- Age and Experience: Younger drivers or those with less driving experience typically face higher rates.
- Type of Vehicle: The make and model of your car can impact your insurance costs.
- Location: Urban areas with higher traffic density may lead to increased rates.
Top Car Insurance Options for Drivers with Accidents
Fortunately, several insurance providers in Canada specialize in offering coverage to drivers with accidents. The following are some of the best options:
1. Aviva
Aviva is known for providing competitive rates and flexible coverage options. Their online quote tool allows drivers to compare rates quickly, and they offer discounts for bundling policies. Aviva is particularly accommodating to those with past accidents, offering tailored solutions to meet individual needs.
2. Economical Insurance
Economical Insurance stands out for its comprehensive coverage and personalized service. They understand that accidents happen and work with clients to find the right coverage despite their driving history. Their "Accident Forgiveness" program can help keep premiums down after an accident.
3. Intact Insurance
Intact Insurance is one of Canada’s largest providers and offers a variety of discounts for drivers, including those with accidents. Their "Claims Free" discount can help reduce costs for drivers who have not had any claims recently, and they provide various policy options to cater to different needs.
4. Desjardins Insurance
Desjardins is well-known for its commitment to customer service and offers competitive rates even for drivers with accidents on their records. Their online tools help drivers find affordable options, and they provide options for customizing coverage to suit unique situations.
Tips for Lowering Car Insurance Costs
Along with choosing the right insurance provider, there are several strategies drivers can use to lower their premiums:
- Maintain a Clean Driving Record: Focus on driving safely to avoid additional accidents and violations.
- Consider a Higher Deductible: Increasing your deductible can lower your premium costs.
- Take a Defensive Driving Course: Completing a recognized course can demonstrate your commitment to safe driving and may lead to discounts.
- Use Telematics: Some insurers offer usage-based insurance that tracks your driving habits and rewards safe driving with discounts.
Conclusion
While finding affordable car insurance in Canada with a history of accidents can be challenging, it’s not impossible. By researching various options and understanding how to mitigate costs, drivers can secure the right coverage to protect themselves and their vehicles. Always remember to shop around and compare quotes to find the best deal that suits your needs.
