Finding the right car insurance can be a daunting task, especially for drivers with a history of accidents. In Canada, insurance providers assess risk based on various factors, and a history of accidents can lead to higher premiums or limited options. However, there are insurers that cater specifically to this demographic, offering affordable rates and comprehensive coverage. Here, we explore the best car insurance options for drivers with a history of accidents in Canada.
1. Aviva
Aviva is one of Canada's largest insurance providers and offers flexible options for drivers with a past of accidents. They provide specialized programs designed to assist high-risk drivers. Aviva's policies include features such as accident forgiveness, which means your rate won’t increase after your first accident.
2. Intact Insurance
Intact Insurance has a reputation for accommodating high-risk insurance needs. They provide tailored coverage options, ensuring that even drivers with multiple accidents can find a policy that suits their budget. Their online platform allows drivers to easily compare rates and coverage features, making the process more transparent.
3. Desjardins
Desjardins is known for its customer-centric approach, providing personalized insurance solutions. For drivers with a history of accidents, Desjardins offers competitive rates and various discounts, including safe driving discounts, which can help lower premiums over time. Their robust online tools further simplify policy management.
4. The Co-operators
The Co-operators is an excellent choice for drivers needing a second chance. They focus on understanding individual circumstances and offer comprehensive coverage that includes liability and collision options. The Co-operators also provides accident forgiveness and various discounts, making it easier for high-risk drivers to manage costs.
5. RSA Canada
RSA Canada is another leading insurance provider that caters to drivers with a history of accidents. They offer specialized policies that allow for flexibility in coverage choices. RSA's programs are designed to help drivers rebuild their insurance reputation, ultimately lowering premiums for safer driving habits over time.
6. CAA
CAA is well-regarded for its exceptional customer service and comprehensive insurance options. They have specialized programs for high-risk drivers, featuring competitive rates and a wide range of coverage options. Additionally, CAA provides member benefits that include roadside assistance, enhancing the overall value of their insurance offerings.
Tips for Finding the Best Insurance
When looking for car insurance as a driver with a history of accidents, consider the following tips:
- Shop Around: Different insurers have varying criteria for assessing risk, so it helps to get multiple quotes.
- Consider Bundling: If you have other insurance needs (like home insurance), bundling can lead to discounts.
- Increase Deductibles: Opting for higher deductibles can lower your monthly premium. Just ensure you can afford the deductible in the event of a claim.
- Improve Your Driving Record: Taking a defensive driving course can not only improve your skills but also potentially lower your premiums.
In conclusion, while having a history of accidents may complicate your search for car insurance, numerous insurers in Canada are willing to work with high-risk drivers. By considering the options listed above and employing smart shopping strategies, you can find the best coverage that fits your needs and budget.
