Lower your deductible
Pay a little extra monthly to lower your deductible if you have a claim.

Increase your deductible
Pay a little less every month by choosing a higher deductible.

Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details, but some examples are:

• Wildlife Collision
  Suppose you have comprehensive or specified perils coverage. In that case, you won’t have to pay a deductible when your vehicle is damaged due to hitting or being hit by an animal.

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If you have a brand-new vehicle, you may be interested in finding out about replacement coverage or repair cost coverage. This can help protect your vehicle from depreciation in the event of a total or partial loss.

You might want to find out about replacement or repair cost coverage for various reasons. For example, you might want to protect your vehicle from depreciation in the event of a total or partial loss. Or you might want to be sure the value is covered if something happens to your vehicle while you’re still paying off the loan.

If you’re looking for Replacement Coverage for a slightly older vehicle, ask one of our advisors about Optiom Pro to see if you qualify.

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Our Auto Pak policies can include Road Hazard Glass (RHG) coverage for rock kick-ups, so you can have a deductible as low as $50 to replace your entire windshield! However, please note that you cannot purchase a glass-only policy; liability coverage must also be included.

You need to know a few things to qualify for a lower deductible for your car insurance policy.

1. Before adding this coverage, there can’t be any pre-existing damage to the windshield.
2. Claim history will be reviewed before adding. If you have been found to have filed an RHG claim consistently in a short period, you may only be able to choose a higher deductible limit, or this coverage may not be available.

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If you cannot drive your car due to an accident or if the vehicle was stolen, you may be able to get coverage from your car insurance company. Many companies offer loss of use coverage, which will help you into a replacement vehicle while your vehicle is being repaired or replaced. Your rental vehicle will also be insured under your policy automatically as a temporary substitute vehicle.

Or suppose instead of renting a vehicle, you choose an alternative method to travel, such as using public transit or taking a taxi. In that case, your insurer will pay up to the amount of coverage you’ve chosen during the claim.

Lastly, if you choose to rent a vehicle for whatever purpose, however it’s damaged during the course you have it, you can apply loss of use to cover downtime charges set by the rental company.

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Looking to protect yourself financially from a potential lawsuit? Look no further than our Auto Pak coverage, which can increase your liability limit. Increasing your liability limit can help protect you financially from the pain of a nasty lawsuit. If you are accused or found responsible for causing bodily injury or property damage, you’ll want more than the basic $200,000 plate limit.

We highly recommend increasing your liability limit, especially for newer drivers, because statistically, new drivers may be at a higher risk of causing an accident.

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Did you finance your vehicle?

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We can offer you the following:

• Non-commission dedicated advisor with industry experience.
• Regular touchpoints with your advisor to ensure that your plan is working for you.

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