How Auto Insurance Works
Get the inside track and stay ahead of the curve.
Be prepared. Be protected.
Everything you need to know about auto insurance, from how rates are set and what coverage you need to where to get it and what to do when you need it.
- How auto insurance rates are set
- How to buy auto insurance
- How to file a claim
How auto insurance rates are set
Understand what information is used to set your rates so you can make informed decisions when purchasing or renewing your insurance policy.
How to buy auto insurance
Whether you’re a first-time buyer or looking for a new insurance provider, learn how to shop around for the coverage that best meets your needs.
How to file a claim
Whether you need to make an auto, home or business claim, all the information and forms you need are in one place.
Resources For You
We've collected a few more resources that may be helpful for you to explore.
Automated vehicles and the future of insurance
Learn how automated vehicles are impacting insurance, and how IBC is working to protect consumers.
Trending News
Cyber Security
Is your small business liable if your vendor gets hacked?
Aug 23, 2025 | Written by AUGUST 22, 2025 | BY: MAHAN AZIMI, DIRECTOR, CATASTROPHIC AND EMERGING RISK POLICY, IBC
Severe Weather, Insurance 101
After the Storm: Insurance Essentials for Severe Weather Recovery
Aug 19, 2025 | Written by AUGUST 19, 2025 | BY: ROB DE PRUIS, NATIONAL DIRECTOR, CONSUMER & INDUSTRY RELATIONS, IBC
climate
Latest hailstorm in Calgary causes $92 million in insured damage
Aug 14, 2025 | AB
climate
Wildfires in Atlantic Canada: Important Insurance Information for Residents
Aug 12, 2025 | NL, NS, NB, PEauto, Regulation
Rethinking Auto Insurance Rate Regulation in Canada
Aug 11, 2025 | Written by AUGUST 11, 2025 | BY: TREVOR FOSTER, NATIONAL DIRECTOR, POLICY, IBC
Cyber Security, Regulation
Harmonizing cyber reporting – A step toward more predictable regulation
Aug 7, 2025 | Written by AUGUST 7, 2025 | BY: SARAH HOBBS, VICE-PRESIDENT, POLICY, CANADIAN LIFE AND HEALTH INSURANCE ASSOCIATION & VIVIAN HUA, LEGAL COUNSEL, IBC
You might also be interested
Protecting your most-valuable assets
What you need to know to help protect your most-valuable assets.
How home insurance works
Your home is your biggest investment. Make sure it and your family are protected from unpredictable events.
Do red cars cost more to insure?
No, they don’t. This is just one of many insurance myths we’re debunking in order to help you better understand insurance.