Auto Insurance

An insurance deductible is what you have to pay before your auto insurance policy picks up the slack. Be careful about your policy! You should make sure you can afford the deductibles, or your car insurance policy won’t you do much good.

We know you’re always on the lookout for those hot savings, and where better to save than on your
insurance policy? Here’s the most straightforward way to lower your car insurance premiums: be a safe bet. 

When you take out an insurance policy, you’re making a bet with your insurance provider that something bad will happen to you. The more careful you are with your home and car, the less risk of something going wrong. We’re sure you don’t want your car to break down, and neither does your insurance provider. Keep safe, and your premiums will go down.

In particular, you should think about investing in winter tires, as well as drive safely with a clean record. For home insurance, follow building codes and make sure your house isn’t a fire hazard. 

With Cane Insurance, yes! We know how much you love to save. If you choose us to back up both your home insurance and auto with reliable insurance, we offer a generous multi-policy discount. Our discount is negotiable, but usually amounts to between 20 and 30 percent of the total policy cost. You can’t beat that!

Yes! Your car insurance policy is taken out on the car, not the person driving it. If you are the only driver, your premiums might be lower than if several people use the car regularly. 

In the event of an accident, your car is generally guaranteed to be covered no matter who is using it. There’s no need to worry, so you can drive on!

Does your auto insurance policy cover a temporary replacement vehicle? That depends on the policy, but most will provide you with a rental vehicle. You should always do your research to make sure you don’t end up stranded without a car when you really need one. 

Auto insurance typically covers damage to your car, not the things you leave in the car. If you want to make sure your insurance covers your personal items, you should think about getting home insurance against theft. 

No-fault insurance is an car insurance system where each driver deals with their respective insurance companies regardless of who’s at fault. What does that mean? Even if you make a big mistake, your auto insurance company will still have to cover your damages.

Good news: not all tickets will affect your auto insurance premiums. Most insurers only raise premiums for “moving” violations such as running red lights or stop signs. Everyone’s least favourite ticket, parking tickets, won’t affect your car insurance premiums as they are stationary violations. 

Even if there were no demerit points for your ticket, your car insurance premiums might increase with a moving violation. Make sure to drive safely, and your premiums will stay low!

First-time distracted drivers can be fined up to $1000 and have their license suspended for three days, as well as receive three demerit points on their record. Further offenses can lead to larger fines and more demerit points.

If you have demerits on your record, your insurance premiums will increase. Fortunately, it’s easy to prevent this from happening: don’t text and drive!

So, the worst has happened, and you’ve gotten into a car accident. No sweat! This is what car insurance is for, after all. All you need to do is follow the proper procedure, and your insurance company will take care of you. 

If your policy provider is Cane Insurance, the process for making a claim is simple. All you need to do is contact the police and file a report. After that, collect the relevant information about your accident and give it to your insurance company. Next, sit back and relax as your insurance adjustor processes your claim. They will stay in contact with you, provide you with a rental vehicle, help you find a reputable mechanic, and send the occasional update your way.