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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
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What Does Home Insurance Pay For? More Than You Might Think (Part 1)
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Home Insurance Protects More Than Your Property (Part 2)
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climate, home
Protect Your Property: Insurance Experts Share Advice as Atmospheric River Brings Significant Flood Risk to British Columbia
Nov 9, 2026 | BC
ibc
Insurance Bureau of Canada Statement on Canada’s 2026 Federal Budget
Nov 5, 2026 | NATIONAL
climate, Insurance Industry
New Quebec Government Must Act on Three Key Priorities in the Fight Against Climate Change
Nov 4, 2026 | Written by Laurent Fafard
auto, Insurance Industry
Care-First auto insurance savings are now here
Nov 2, 2026 | AB
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