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What factors affect the cost of my auto insurance?

Insurers base your premiums on how likely it is you'll be in an accident. They use a lot of factors to get a realistic and fair estimate:

  • How long you and other drivers listed in the policy have been driving
  • How long each of the drivers has been continuously insured
  • Insurance claim history
  • Whether the vehicle is used for work or pleasure, and whether it's driven to work or school
  • Where you drive
  • How far you drive

They also consider the make and model of the car you drive.

And yes, in some parts of Canada, your age, gender and marital status make a difference too.

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