How Are My Premiums Set?

There are a number of factors that are used in determining the amount you pay for your automobile insurance:

The Claim Rated Scale is used for all drivers holding a valid BC Driver's licence, to determine the amount of discount, or surcharge, applied to your insurance premium, based on your driving experience and claims history.
Rate Classes define how you intend to use the vehicle.
Where you live
Your Claim Record
The Vehicle You Drive
Additional Coverage