Safeguard your Journey
While your adventures on the road are unpredictable, having an auto insurance policy gives you reliability that you don’t want to leave home without. Whether you’re a young driver or just bought a new car in The Maritimes, we offer you a comprehensive insurance policy that delivers. We provide you with a wide range of essential protections that you don’t have to think about on or off the road. From liability coverage to collision coverage, you will be covered in different scenarios whatever vehicle you drive.
Drive with Confidence: A Secure Policy Goes a Long Way
At Caldwell Roach, our mission is to be your trusted guide in the complex landscape of auto insurance, connecting you with policies that fit like a glove. We work with a diverse range of insurance providers to offer you choices that suit your unique needs and preferences. Imagine us as your personal matchmaker for insurance – we’re here to understand your driving habits, lifestyle, and budget, ensuring you get coverage that aligns perfectly with your requirements.
What is Mandatory Coverage for Auto Insurance?
- Third-Party Liability If you are at-fault in a collision and a third-party is injured (bodily injury) or there is property damage, third-party liability will cover costs associated with an accident. While there is a minimum liability amount required for each province, it’s often not enough to cover accident expenses which can cost up to $2 million. Contact your broker to set the proper limit for you.
- Accident Benefits This coverage covers financial support for medical fees, rehab costs, income replacement and more after an accident, regardless of who is at fault.
- Direct Compensation Property Damage (DCPC) This type of insurance provides coverage for expenses related to the loss or damage of your car in a collision for which you were not entirely at fault.
What is the Cost of Auto Insurance?
In the Maritime provinces of Canada, the average car insurance premiums vary, with each province showing different average rates due to a range of factors. Auto insurance rates can range from the lower range of $1460.42 in Nova Scotia to a higher range of $1748.69 in Newfoundland and Labrador. If you’re unsure about what you will be paying for your auto insurance, contact one of our skilled insurance brokers to help you get a premium you’re happy with.
Areas We Serve
Why Do You Need Auto Insurance?
In Canada, auto insurance is not just a legal requirement; it’s your safety net on the road. It protects you from unexpected expenses that can arise from accidents, whether you’re at fault or not. Without auto insurance, you risk facing financial burdens, legal consequences, and potential difficulties in getting back on the road. An auto insurance policy provides a comprehensive shield against various risks on the road.
Why Work With Caldwell?
What is Optional Coverage for an Auto Policy?
Auto Insurance FAQs
Auto insurance in Canada is not just a legal requirement; it’s a vital safety net for drivers. It protects you from unexpected expenses that can arise from accidents, whether you’re at fault or not. Without auto insurance, you risk facing financial burdens, legal consequences, and potential difficulties in getting back on the road.
An auto insurance policy provides comprehensive coverage against various risks on the road. Depending on the coverage you choose, it can include protection for third-party liability (covering injuries or property damage when you’re at fault), accident benefits (financial support for medical fees and income replacement), direct compensation for property damage, collision coverage, comprehensive coverage for non-accident events, uninsured or underinsured driver protection, and loss of use coverage for renting a vehicle after an accident.
Insurance companies consider several factors, including your driving record, age, gender, the type of vehicle you drive, its use, and where you live. Other factors may include your insurance history, the amount of coverage you choose, and the deductible you select.
A deductible is the amount you agree to pay out of pocket when you make a claim. Your insurance company covers the remaining costs up to your policy limit. Choosing a higher deductible can lower your premium, but you’ll pay more out-of-pocket in the event of a claim.
Get a Quote Now!
Find affordable auto insurance rates today with the help of one of our brokers.