Auto vs Manual Car Insurance: 6 Key Differences Explained

Do you live in Edmonton or Sherwood Park? You need a car. Should it be automatic? Or manual? This choice is big. It’s not just about how you drive. It can also change how much you pay for car insurance. We are Reliant Insurance Brokers. We are here in your area. We help you learn about this.

Let’s talk about auto vs manual car insurance. How does your car’s gearbox change the price? Knowing this helps you pick. It helps you save money too. We will explain key things about auto vs manual insurance.

 

 

Want to know if auto vs manual costs change your insurance? Read on!

Auto vs Manual Car Insurance: 6 Key Things to Know From Reliant Insurance

You must have car insurance in Alberta. This is true for auto vs manual cars. You need basic plans. Like one that pays others if you cause a crash. And one for your injuries. But the price you pay can be a bit different. Your car’s gearbox can make a small change. Here are six ways it might:

1. Fixing Cars Costs Money

Automatic cars are harder to fix. They have many parts. Manual Vehicles are simpler inside. Fixing an automatic often costs more. A manual fix might be $1,500 to $3,000. An automatic fix could be $2,000 to $4,000 or more. Car insurance companies know this. They think about these costs. This affects the price of your auto vs manual insurance.

2. Is Your Car Easy to Steal?

Here’s a fun fact: Many people think manual cars are harder to steal. Why? Because many car thieves don’t know how to drive a stick shift. So, they might not try to steal a manual car. Automatic cars are easy for anyone to drive. This makes manual vehicles less likely to be taken. A lower risk of theft can mean you pay a little less for theft coverage. This is part of your auto vs manual insurance. Not many people learn manuals now. This might make them even less likely to be stolen.

Did you know: Fewer people are learning to drive manual cars today. This makes them less common on the road and harder for thieves to operate. For instance, back in 2020, reports highlighted that only about 9% of new consumer cars in Canada were manual, a big drop from past years. This trend is often cited as a reason why manual cars can be less attractive targets for theft compared to automatics.

Source: Automotive Training Centre

3. How Much Was the Car New?

New automatic cars cost more to buy. The same car but manual is often cheaper. Insurance price is partly based on the car’s value. If your car is stolen or totaled, the insurer pays its value. A higher value automatic car might cost a bit more to insure. It costs more than the same manual car.

4. Who Drives Which Car? Risk Level

People sometimes think drivers of manual cars are more careful. Driving a manual used to take more skill. Insurance companies look at who makes claims. If data shows manual drivers have fewer crashes, it could slightly lower prices for auto vs manual insurance on those cars. But this point is less true now. Most people drive automatics.

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5. Are Parts Easy to Find?

Most cars today are automatic. So, it’s easy to find parts and mechanics for them. Manual cars are not as common. Finding parts for older manual cars might be harder. It could cost more. Insurance companies care if a car is easy or hard to fix. This can slightly change the cost of auto vs manual coverage.

6. Is It a Fast Car? How Do You Drive It?

Some fast cars still let you pick a manual gearbox. Drivers who like speed might choose these. The kind of car matters a lot for insurance. How you drive it matters too. If people drive a manual sports car faster than an automatic one, that affects the price. This is more about the car type and the driver. It’s less about just being auto vs manual.

Get Your Car Insurance Right in Edmonton & Sherwood Park

Thinking about auto vs manual is just one step. Getting the right car insurance is bigger. Where you live in Edmonton or Sherwood Park matters a lot. Your past driving record matters. The exact car you have matters. The plan you pick matters most.
Getting insurance is not just about the lowest price. It’s about being safe on the road. Reliant Insurance Brokers helps drivers here. In Edmonton and Sherwood Park. We help you get the right plan. We cover you if you have an auto vs manual car.

Pay too much for auto vs manual car insurance in Edmonton or Sherwood Park? Want to know how your car changes your price?

Call Reliant Insurance Brokers now!

Our team is in Edmonton and Sherwood Park. We know about car insurance. We help you see your choices. We look at prices from many companies. You get good coverage. At a good price. For your auto vs manual car.

 

Quick Answers About Auto vs Manual Car Insurance

Q: Is manual car insurance always cheaper?
A: Manual cars can cost a bit less to insure. This is often because fixing them costs less. But things like your driving record and where you live matter more in Edmonton or Sherwood Park.

Q: Will the insurance company ask if my car is manual or auto?
A: Yes, they will usually ask auto vs manual when you get a quote.

Q: Can driving a manual car make my insurance higher?
A: No, not really. Insurers look at past crashes. They don’t price insurance based on shifting gears.

Q: How can I pay less for car insurance in Edmonton or Sherwood Park?
A: Drive carefully! Have no accidents. Pick a higher amount you pay first if you claim. Get your car and home insurance from the same place. Ask brokers like Reliant Insurance for prices from many companies. All these help cut your auto vs manual insurance cost.

Q: Does how old the car is matter more than if it’s auto vs manual?
A: Yes, usually. The car’s age and value change the insurance price more. Older, less costly cars are often cheaper to insure.

 

Conclusion: Reliant Insurance is Here For You

Reliant Insurance Brokers knows driving in Edmonton and Sherwood Park. We know what drivers need. We help everyone find good coverage. Manual or automatic? We find a plan for your car.

Picking auto vs manual is your choice. But knowing about the insurance part is smart. Let Reliant Insurance Brokers help you.

Ready to talk about your auto vs manual car insurance?

Find Reliant Insurance Brokers in Edmonton & Sherwood Park!

We are easy to find in Edmonton and Sherwood Park. We are ready to help. Ask us anything about auto vs manual car insurance.

Get a Free Quote – 780-463-2115 (Edmonton), (780) 410-1013 (Sherwood Park)