What You Need to Know about Renewing Car Insurance in Canada

Renewing car insurance in Canada is a necessary part of owning a vehicle. Car insurance helps to protect you financially in the event of an accident, and it is also required by law in most provinces and territories. 

Knowing the process of renewing your car insurance can help you ensure that you are adequately insured and that you’re not overpaying for coverage that you don’t need.

In this blog, we’ll be discussing what you need to know about renewing car insurance in Canada. 

Before You Renew

Before you start the process of renewing your car insurance, it’s important to know the basics of car insurance in Canada. While each province and territory has its own regulations, car insurance typically covers you in the event of an accident, theft, and weather-related damage. It also covers you if you are held liable for any damages or injuries caused to another person.

In most provinces, you must renew your car insurance every six months. Before you renew, it’s essential to ensure your policy meets your needs. If you’ve had any significant life changes in the past six months, such as getting married or moving, make sure to update the information on your car insurance policy. You should also ensure that all of your policy information is accurate and up to date.

Shop Around

Once you’ve updated your policy, it’s time to start shopping around for a new policy. You can compare different policies and prices online, or you can speak to a broker or insurance provider directly. It’s essential to compare different policies to ensure you’re getting the best coverage for the best price.

When you’re comparing policies, make sure to look at the details. Different policies may have different levels of coverage, deductibles, and other features. Be sure to read the fine print to understand what is and isn’t covered by each policy.

Payment and Renewal

Once you’ve chosen a policy, you’ll need to make a payment and sign the necessary paperwork. Most insurance providers will allow you to pay your premium online, over the phone, or by mail. If you’re paying online, you should make sure that your payment is processed and accepted before the policy renewal date.

Once your payment has been accepted, your policy will be renewed. You can typically download or print a copy of your policy from the insurance provider’s website. Make sure to keep this copy for your records.

Why Your Auto Insurance Rate Increased When You Renewed It in Canada?

There are several factors that can contribute to an increase in auto insurance premiums. Some of the most common reasons for an increase include:

1. You’ve Had an At-Fault Accident

If you’ve been involved in an at-fault accident, your insurance company will likely increase your rates to reflect the increased risk.

2. You’ve Made a Claim

If you’ve made a claim in the past, your insurance company may increase your rates to recoup the cost of the claim.

3. You’ve Moved

Location is a major factor when it comes to insurance rates. So, if you’ve moved to an area with higher rates, your premiums could go up.

4. You’ve Changed Vehicles

If you’ve changed vehicles, your rates could also go up, as some vehicles are more expensive to insure than others.

5. You’ve Received a Ticket

If you’ve received a ticket, your insurance company may increase your rates to reflect the increased risk.

6. You’ve Added a Driver

If you’ve added a driver, your rates could go up as the insurance company will have to insure that additional driver.

7. You’ve Changed Your Coverage

If you’ve changed your coverage, your rates could also go up.


Renewing your car insurance in Canada is a necessary part of owning and operating a vehicle. It is important to understand the terms and conditions of your policy and to be aware of the different types of coverage that are available. You should also review your policy at least once a year to ensure it is up-to-date and to explore any available discounts that may reduce your premium. 

It is important to be aware of the law in your province or territory and to abide by any local regulations when it comes to renewing your policy. Additionally, it is important to shop around to compare and find the best policy for your needs. By understanding the process and being informed, you can save time and money when renewing your car insurance in Canada.

At Reliant Insurance, we understand that insurance can be confusing. That’s why we’re committed to providing our clients with the highest level of service and support. Whether you’re looking for home or auto insurance, we’ll work with you to find the perfect plan for your needs. Contact us today to learn more about our services.

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