When it comes to your auto insurance policy, we know you’ve got some question.
How can I get the best value for my money? What coverage is mandatory? What additional coverage should I invest in?
At Pearson Dunn Insurance, we make it easy for you to understand your auto insurance options. We offer independent advice that will help you evaluate your insurance options, so we can design a custom fit policy that provides you with the coverage you need at a competitive price.
Personal Automobile Insurance Considerations
Below are some basic guidelines to help you in making a decision about what kind of automobile protection you need.
Things to Consider
Auto insurance is regulated by the Provincial Government. There are mandatory coverages and limits that are required within the personal auto policy.
Our personal insurance advisors can easily guide you through your coverage options and design a personalized policy that fits your needs.
Additional Coverage Options:
How your premiums are calculated:
How much you pay for your auto insurance takes multiple factors into consideration. Your age, gender, licensing status and driving record to your annual mileage and the make and model of your vehicle. Actuarial modeling is based on statistics and the extensive study of industry data.
Automobile rates are regulated by the Financial Services Commision of Ontario. Once this government body approves the filed rates, insurance companies are able to make them available to the public. The industry is not permitted to deviate from these rates until a new set of rates has been formally approved.
Since insurance providers compete for business, using an independent insurance broker such as Pearson Dunn Insurance offers you a variety of insurance markets, each with their own rate and coverage options.
We believe in providing our clients with advocacy, choice and independent advice. This is our “Personal Protection Promise” to you.