Insurance Coverage

Whether you drive a sporty vehicle occasionally or you rely on a four-door sedan for your family’s everyday needs, one thing is certain – you need auto insurance. Every province requires a certain level of mandatory coverage and you can also get additional coverage depending on your needs.


Mandatory Coverage (varies by province)


  • Liability – protects you if you are in an accident and you’re held legally liable for injury or death to other people. It also covers damage to their vehicle or property.
  • Accident Benefitsprovides compensation for medical expenses, rehabilitation, funeral expenses, and loss of income due to death and disability (not applicable in Quebec).
  • Direct Compensation Property Damage – covers you for damage to your vehicle and to property it is carrying when another motorist is responsible (Ontario, New Brunswick and Nova Scotia).

You Can Choose Additional Coverage


  • Collision – covers the cost of repair or the replacement of your vehicle (up to its actual value less your deductible) if you have a collision with another car or an object (e.g. tree, guardrail, or pothole).
  • Comprehensive – covers physical damage to your car (not resulting from a collision) caused by theft, vandalism, fire, falling objects, lightning, explosion and chipped windshields.
  • Specified Perilsthis is more limited than Comprehensive. It covers physical damage to your car caused by a specific list of perils such as: fire and lightning; theft or attempted theft; windstorm, earthquake or hail; explosion, riot or civil commotion; falling or forced landing of aircrafts or parts of the aircraft.
  • All Perils – provides you with the most complete coverage by combining Collision and Comprehensive coverages.
  • Loss of Use – reimburses you for alternative transportation (e.g. rental, taxi) if your vehicle is being repaired as a result of damage or theft.
  • Damage to a Non-Owned Vehicle – covers you if you damage a car you don’t own such as a rental vehicle.
  • Waiver of Depreciation – no depreciation will be applied if your new car (less than 36-months-old) is damaged in an accident.

Allstate’s Your Choice Auto® Insurance Offers


  • Claim Forgiveness - your rates won’t go up because of a claim*.
  • Disappearing Deductible - your deductible decreases every consecutive term you go without a claim until it disappears.

Save when you combine coverages with Your Choice Auto®  Insurance


Package A

  • Waiver of Depreciation (36 months)
  • Loss of Use of Vehicle
  • Damage to a Non-Owned Vehicle

Package B

  • Loss of Use of Vehicle
  • Damage to a Non-Owned Vehicle

Package C (Quebec only)

  • Loss of Use of Vehicle
  • Damage to a Non-Owned Vehicle
  • Accident benefits includes Total Loss Deductible Waiver and Hit and Run Deductible Waiver

What Makes up Your Premium?


When calculating your auto insurance premium, there are many factors taken into consideration such as:


  • Age/years licensed – statistics show that more experienced drivers tend to have safer driving records and are involved in fewer accidents.
  • Where you liveif you live in the city where there is more traffic and a greater chance of auto theft, rates may be higher.
  • Driving record and claims history - if you’ve had speeding tickets, accidents or convictions, you will have a higher premium.
  • Type of vehicle you drivesome makes and models fare better in collisions than others; newer, more expensive vehicles cost more to replace so they have a higher premium for certain coverages, but such vehicles often have advanced passenger safety features which will be reflected in lower premiums for other coverages. Your premium is also based on statistical data such as the likelihood of your car being stolen.
  • Use of vehicle – if you use your vehicle for business-related purposes or drive it more frequently, there is a greater potential of having an accident, therefore you’ll pay a higher premium.

Get a quote. It’s fast, simple and it could save you money.

Call 1-800-allstate, a local agency or contact us online - we're here for you!


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*Rates will not be increased or surcharged if insured submits no more than one claim every five years. Claim Forgiveness does not protect your Disappearing Deductible. Other terms and conditions apply. Coverage, perils, discounts, and availability may vary by region. Certain coverage may be provided only by the provincial government or related agencies. This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.