How do you calculate my auto insurance premiums?

There are a number of factors we look at to help determine your rate.

  • Number of past claims
  • Information about you (e.g. how many years you’ve been a licensed driver)
  • Traffic violations (e.g. speeding tickets)
  • Where you live
  • Your vehicle and how you use it

Also, each province has government regulations that oversee how prices are determined by insurance companies.