Car Insurance: Winnipeg, MB

Older cars may not need collision and comprehensive coverage, but these features of car insurance in Winnipeg offer repair and replacement costs for your vehicle. For newer vehicles, consider adding collision coverage.

Collision covers the costs of damage to your vehicle when you are involved in an accident with another vehicle or a stationary object. Review the specific perils included in your policy and confirm that your policy covers the replacement value of your vehicle.

This coverage area doesn’t cover all perils or all damage. For damage that occurs when your vehicle is parked or in storage, you need comprehensive coverage. Find out how you can add this policy feature for protection from these incidents or enjoy collision-only insurance to reduce your premium.

Falling branches, theft, fire damage and vandalism aren’t typically covered by collision. For these perils, you need comprehensive coverage. Compare the investment of this policy with the value of your vehicle to determine if you need it or not. For many vehicles, an affordable comprehensive policy is worth the peace of mind and convenience of protection from most perils.

Ask your insurance agent about the perils covered by your comprehensive policy. Some policies only cover specific perils while others offer general coverage. These two types of coverage options can affect the cost of your premiums, so work with your agent to find the ideal option for your driving habits and your vehicle.

The best feature of HUB International car insurance in Winnipeg is personalized coverage. Don’t settle for a general package that doesn’t have the protection you need or the rates you want. Our agents work with you to design a personal policy to reflect your needs. If you’re traveling out of the country, driving a classic car or have a long history of accident-free driving, these details can dramatically change the ideal policy for you.

Other personalized features include towing, glass breakage coverage and protection from electronic and aftermarket equipment in your vehicle. These features aren’t included in standard policies but can be essential in specific situations.