Blog & Articles - Gibb Insurance

Shopping for a New Car - Insurance Considerations
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Shopping for a New Car - Insurance Considerations
It’s an important decision. You’ve considered the make and model. You’ve looked at performance, upgrades and prices. You’ve considered safety features, read reviews and have taken test drives… what about insuring your new car?

Before making the final decision, we recommend you speak with an insurance professional. The cost of insuring your new vehicle may impact your purchase decision and having all the information before buying will help you be a more confident consumer.

For insurance purposes, every vehicle is rated according to the Canadian Loss Experience Automobile Rating (CLEAR) system. This system assesses and compares each and every vehicle based on the individual expected claims frequency and cost.

Factors that affect insuring your new vehicle

  • Type of vehicle (SUV, sports car)
  • Make, model and year
  • Advanced safety features
  • Cost to repair
  • Whether it’s a commonly stolen vehicle
  • Your personal driving record and habits will also affect your car insurance premiums. 
We know that changes happen in life and it’s important to discuss these changes with your insurance professional.

  • The amount you drive
  • Your past driving record and experience
  • Where you live
  • If you can bundle insurance (ex: insuring a second car or a home)
Before you make the decision to buy your new car, take a few minutes and to call us for an insurance quote. We’re here to help you protect what matters most! 519-736-8228