Same with auto insurance, if you’re a responsible driver. I’ve lived in BC, Alberta and Saskatchewan among other places the last 25 years, and Alberta is consistently far cheaper for auto insurance, if you shop around. A lot of people close to the AB border on the sask side do a little light fraud and pretend to live at their brothers house in alberta
I think Quebec has (or at one time had?) the lowest because you’re not required to have collision insurance. You can have just liability, but if your car is a piece of shit you’re not required to insure it for repair should an accident occur. I could be wrong, and I’d love to know if I am.
you’re not required to have collision insurance. You can have just liability, but if your car is a piece of shit you’re not required to insure it for repair should an accident occur
In my city you are required to have both liability and collision even if the car is worth a dollar. That is true across all of Canada to my knowledge, with the exception of Quebec.
Absolutely false. You’re not required to have collision on your own vehicle anywhere as far as I know. Collision on the other vehicle falls under liability, unless of course you haven’t paid your vehicle off yet, but even then, that’s a requirement of the bank, not the insurer. I don’t know every provinces laws perfectly, but I do know cities don’t determine insurance law.
Same with auto insurance, if you’re a responsible driver. I’ve lived in BC, Alberta and Saskatchewan among other places the last 25 years, and Alberta is consistently far cheaper for auto insurance, if you shop around. A lot of people close to the AB border on the sask side do a little light fraud and pretend to live at their brothers house in alberta
I think Quebec has (or at one time had?) the lowest because you’re not required to have collision insurance. You can have just liability, but if your car is a piece of shit you’re not required to insure it for repair should an accident occur. I could be wrong, and I’d love to know if I am.
Are there places where this isn’t the case?
In my city you are required to have both liability and collision even if the car is worth a dollar. That is true across all of Canada to my knowledge, with the exception of Quebec.
Absolutely false. You’re not required to have collision on your own vehicle anywhere as far as I know. Collision on the other vehicle falls under liability, unless of course you haven’t paid your vehicle off yet, but even then, that’s a requirement of the bank, not the insurer. I don’t know every provinces laws perfectly, but I do know cities don’t determine insurance law.
I’d be curious what city, but obviously you don’t have to answer that.
Then you would be misinformed, because collision coverage is certainly not mandatory in Alberta, and I doubt it’s mandatory anywhere