While insuring a vehicle can seem difficult, there are some tips to make it easier. By asking yourself some basic questions to establish what coverage you need, and becoming more informed about the insurance process, obtaining the right protection for you and your vehicle becomes more manageable.

Here are some questions to ask:

• What's the minimum insurance you need?
• Should you choose a fully comprehensive package?
• What about accident waiver endorsement, or loss of use?

How you use your car influences what type of coverage will be best for you. For instance, if you tour the town in your compact, or regularly hit the highway for days at a time, these factors will be important in determining the right coverage.

You should also have an understanding of how providers calculate auto insurance premiums.

When your insurer sets a premium for your vehicle, it will consider many variables, such as:

• The vehicle's make, model and production year
• The driving records of the individuals who will drive the vehicle
• The location where you live

Maintaining a safe driving record, as well as improving the safety of your vehicle can help you achieve discounts, the Insurance Bureau of Canada (IBC) explains. "Generally, the harder your vehicle is to steal and the less expensive it is to repair, the less you pay for insurance," the Bureau affirms.  

What about additional coverage?

In addition to the mandatory auto insurance required by your province, many motorists choose to opt for additional coverage. The four optional auto insurance coverage types​ are collision, specified perils, comprehensive and all perils. 

For the best auto insurance in New Brunswick, contact Fundy Mutual. We will apply our proactive approach in working with you to craft the right coverage so that you can take the road with confidence. Visit our website for an affordable car insurance quote.