{"id":12949,"date":"2023-06-07T12:46:55","date_gmt":"2023-06-07T12:46:55","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=12949&#038;preview=true&#038;preview_id=12949"},"modified":"2026-01-23T11:34:03","modified_gmt":"2026-01-23T16:34:03","slug":"guide-to-car-insurance-for-families","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-for-families","title":{"rendered":"Guide to Car Insurance for Families: Choosing Your Policy and Making Claims"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Guide to Car Insurance for Families: Choosing Your Policy and Making Claims<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2023-06-07T12:46:55-04:00\">June 7, 2023<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" 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srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/06\/RBCI-Guide-to-Car-Insurance-for-Families.png 930w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/06\/RBCI-Guide-to-Car-Insurance-for-Families.png?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/06\/RBCI-Guide-to-Car-Insurance-for-Families.png?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/06\/RBCI-Guide-to-Car-Insurance-for-Families.png?resize=412,275 412w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Guide to Car Insurance for Families: Choosing Your Policy and Making Claims &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-for-families\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-car-insurance-for-families\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Understanding Car Insurance<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-understanding-car-insurance\">Understanding Car Insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-car-insurance-cost-for-families-in-canada\">How much does car insurance cost for families in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-a-car-insurance-policy-for-your-family\">How to choose a car insurance policy for your family<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-purchase-car-insurance-in-canada\">How to purchase car insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-maintaining-your-car-insurance-policy\">Maintaining your car insurance policy<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-making-a-car-insurance-claim\">Making a car insurance claim<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Road safety goes beyond what\u2019s in your car and extends to the type of car insurance you buy. Buying the right plan and coverage helps to protect your family in the event of the unexpected and gets you back on the road faster.<\/p>\n<p>Car insurance offers financial protection for you and your family or dependents in the event of an auto accident. It\u2019s mandatory for all drivers in Canada and can help cover the costs of injuries to yourself and others, as well as auto repairs, theft and more.\u00a0But just like no two families are the same, no car insurance policy or insurance company is alike. Here are some things to look for when shopping for a family car insurance policy in Canada.<\/p>\n<h2 id=\"h-understanding-car-insurance\">Understanding Car Insurance<\/h2>\n<p>With car insurance, you pay a monthly or annual fee (called a premium) to cover yourself or other drivers in your household. If you have an accident, the insurance covers the cost of repairs to your car and any damages you may be liable for and could pay out money to you or your family in the event of injuries or deaths.<\/p>\n<p>Car insurance policies provide coverage for:<\/p>\n<ul>\n<li><strong>Personal injury or death<\/strong>: Receive a financial settlement if you or your family are injured or die in a covered car accident.<\/li>\n<li><strong>Injury or death of others<\/strong>: Liability insurance covers costs if one of your passengers or another driver is injured or killed in an accident where you\u2019re at fault.<\/li>\n<li><strong>Uninsured or unidentified drivers<\/strong>: Your insurance may also cover you if you\u2019re involved in an accident with someone who doesn\u2019t have insurance or with an unknown driver, like in the event of a hit-and-run.<\/li>\n<\/ul>\n<p>When choosing a policy, some parts of it will include mandatory coverage (this varies for every province or territory), and there will be additional optional coverages that you can also buy. Usually, coverage falls into a few categories:<\/p>\n<ul>\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/liability-and-other-mandatory-car-insurance\/\">Liability and other mandatory insurance coverages<\/a><\/li>\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/collision-comprehensive-insurance\/\">Comprehensive Car Insurance and Collision Damage<\/a><\/li>\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/endorsements-riders\/\">Optional Car Insurance<\/a>, also known as endorsements (or riders)<\/li>\n<\/ul>\n<h2 id=\"h-how-much-does-car-insurance-cost-for-families-in-canada\">How much does car insurance cost for families in Canada?<\/h2>\n<p>Car insurance prices depend on many things, including:<\/p>\n<ul>\n<li><strong>Location<\/strong>: Insurance prices vary by province, city and region.<\/li>\n<li><strong>Driving history<\/strong>: Experienced drivers tend to pay less. New or young drivers, people on graduated licensing programs (depending on your province), and people with a driving record that includes accidents or traffic convictions (like speeding tickets) usually pay more.<\/li>\n<li><strong>Driving habits<\/strong>: Do you drive only on weekends, to and from work, or is your personal vehicle used for work purposes? The different ways you use your car can impact your insurance price.<\/li>\n<\/ul>\n<h2 id=\"h-how-to-choose-a-car-insurance-policy-for-your-family\">How to choose a car insurance policy for your family<\/h2>\n<h3>Think about your family\u2019s driving needs<\/h3>\n<p>Maybe you all share your parents\u2019 car for work, school and grocery runs. Or maybe you have multiple cars and a recreational vehicle, like a motorhome and require motorhome insurance. It\u2019s useful to talk to an insurance advisor about what your family needs.<\/p>\n<p>Some important factors you should be aware of:<\/p>\n<ul>\n<li><strong>Multi-vehicle households<\/strong>: You could save by insuring multiple cars under the same car insurance policy rather than taking out separate insurance policies.<\/li>\n<li><strong>The number of drivers <\/strong><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/new-drivers-making-smarter-choices-for-your-car-insurance\/\"><strong>(or soon-to-be drivers)<\/strong><\/a>: Young drivers can gain experience by being \u201csecondary\u201d or \u201coccasional\u201d drivers on their parents\u2019 car insurance policies, even if they\u2019re away at college or university.<\/li>\n<li><strong>Budget<\/strong>: Some insurance policies go beyond the basics and may cost more than others. Look at the coverage you need and how much you can afford. There are ways to customize your insurance policy and price.\u00a0For example, to save on the price you pay monthly or annually, you could select a higher deductible, which is the amount you have to pay if you make a claim. You\u2019ll pay more if you make an insurance claim, but you\u2019ll get a lower cost upfront.<\/li>\n<\/ul>\n<h3>Comparison shopping for car insurance<\/h3>\n<p>Shopping around can help you save money, as well as give you a better idea of features available with different companies.<\/p>\n<ul>\n<li><strong>Get quotes from multiple insurers: <\/strong>Doing your research can help you find the policy that works best for your family. An insurance advisor can answer questions and help you understand what types of insurance would meet your family\u2019s needs and what prices to expect.<\/li>\n<li><strong>Compare coverage options: <\/strong>Compare what\u2019s covered with each plan and the different\u00a0options.\u00a0There are additional coverages that you can buy to help you save money in the event of a claim, like forgiveness for your first at-fault accident.<\/li>\n<li><strong>Get advice from a licensed insurance advisor: <\/strong>They can review the policy with you so that you understand the terms of your plan. They can also explain any situations where you may not be covered or require additional coverage.<\/li>\n<li><strong>Ask about discounts: <\/strong>Some insurance companies offer special pricing for <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\">bundling home and auto insurance<\/a> together, as well as discounts if you drive an electric or hybrid vehicle<sup>1<\/sup> or belong to an eligible professional association or organization, like an employee group or union.<\/li>\n<\/ul>\n<h2 id=\"h-how-to-purchase-car-insurance-in-canada\">How to purchase car insurance in Canada<\/h2>\n<p>There are several ways to buy car insurance in Canada, including:<\/p>\n<ul>\n<li>Directly from an insurance company where licensed advisors can guide you through the process and give you helpful advice<\/li>\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/\">Get a quote<\/a> and buy car insurance online<\/li>\n<li>Insurance brokers can help you shop around for different plans and get you prices from multiple insurance companies<\/li>\n<\/ul>\n<h2 id=\"h-maintaining-your-car-insurance-policy\">Maintaining your car insurance policy<\/h2>\n<p>It\u2019s important to be proactive about paying your bills and keeping your information up to date to ensure your insurance coverage stays active and your family is protected.<\/p>\n<p>Be sure to:<\/p>\n<ul>\n<li><strong>Pay premiums on time to avoid extra fees<\/strong>: Set up automatic payments and check\u00a0that your monthly payments have gone through, or ask your insurance company about making annual payments and when they send reminders.<\/li>\n<li><strong>Keep your information updated<\/strong>: Update your personal information as it changes, like adding or removing drivers from your policy and updating your address and credit card number and expiry date.<\/li>\n<li><strong>Renew your policy on time<\/strong>: Make sure you\u2019re prepared for when your policy is up for renewal, and take the time to <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/contact-us\/\">speak to an insurance advisor<\/a> about your options in advance. There may be ways you can save money; for example, if your needs or situation has changed or if there are options for bundling insurance.<\/li>\n<\/ul>\n<h2 id=\"h-making-a-car-insurance-claim\">Making a car insurance claim<\/h2>\n<h3>Steps to take after an accident<\/h3>\n<p>No one plans to get in a car accident, but if it does happen, here are the steps you need to take:<\/p>\n<ul>\n<li>Stop and pull over when and where it is safe to do so<\/li>\n<li>Check for injuries (yourself and if other parties are involved). Call 911 if required<\/li>\n<li>Contact the police immediately<\/li>\n<li>Exchange information with the other driver, including:\n<ul>\n<li>Name, address and phone number<\/li>\n<li>Driver\u2019s license number<\/li>\n<li>Car make and model and license plate<\/li>\n<li>Insurance company name, phone number and the policy number<\/li>\n<\/ul>\n<\/li>\n<li>Take photos of the damage to both cars<\/li>\n<\/ul>\n<h3>Filing a claim with your insurance company<\/h3>\n<p>If you\u2019re involved in an accident:<\/p>\n<ul>\n<li>Report the accident to your insurance company right away<\/li>\n<li>Keep any documentation you have from the car accident<\/li>\n<li>Submit any requested documentation and receipts to your insurance company<\/li>\n<\/ul>\n<p>Having the right car insurance policy can protect you and your family from the financial impacts of a car accident. Be sure to update your plan as your family\u2019s situation changes. This can help ensure your loved ones have the coverage they need and get them back on the road faster.<\/p>\n<p>Interested in learning more about car insurance? Read your policy carefully. Be sure to check your policy every year to ensure that all your information is accurate and current. Ask questions in case there are discounts your insurance company offers that you qualify for.<\/p>\n<p><sup>1. Electric vehicle and hybrid vehicle discounts can vary based on the province or territory where the customer lives.<\/sup><\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online*<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A9&amp;Lang=EN\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-CarInsurance-12949-476a44f4\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Start My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A9&amp;Lang=EN \">Start My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/car-insurance\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-12949-4fbb6019\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How to choose a family car insurance policy in Canada for parents, new drivers, teens, students, spouses and 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