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Worried that it’ll be a complicated process? Don’t be! We’ve made it simple by pulling all the key information you need into this easy-to-reference post that outlines exactly how car insurance works for new drivers in Manitoba.
Still have questions after reading through? Send us an email. We’ll be happy to help!
Car insurance is made up of two things: your premium and your deductible. It gives you third-party liability coverage in the event that you’re at-fault for an accident, so you don’t have to foot the (expensive) bill.
Your rate is the amount you pay in order to keep yourself insured. To figure out this cost, you’ll want an Insurance Consultant to help you decide how much coverage you need. Then, you’ll pick on a payment plan. There are three options with Manitoba Public Insurance:
Your deductible is the amount you pay if you are responsible for an accident. If you get in an accident and it’s your fault, you’ll pay your deductible, and then your auto insurance will kick in.
Auto insurance always includes third-party liability coverage. This type of insurance covers any damages made to other vehicles or property in Manitoba.
Basic, mandatory coverage for most passenger vehicles includes a $500 deductible and $200,000 worth of third-party liability insurance.
Basic car insurance is required for all Manitoba drivers, but some parts of your policy are optional. If you’re looking for more or different coverage, you can choose:
Yes, but you must purchase a temporary permit either through the car dealer where you made the purchase, or with an autopac agent. (Feel free to come see us for help!)
To get insurance coverage in Manitoba, consult an insurance broker (might we suggest Winnipeg Insurance Brokers Ltd?).
All new drivers will need new auto insurance, but it’s not a one-size-fits-all situation. There are a few things you’ll want to consider.
Yes. Standard car insurance gives you $200k of third-party liability coverage. If you travel outside Manitoba (even if only for one-day or weekend trips), that might not be enough, so extra coverage is a great idea. Optional, additional Autopac coverage can increase your third-party liability protection to $1 million, $2 million, $5 million, $7 million or $10 million.
We often get asked if there’s anything a new driver can do to lower their premiums. The answer is yes, but it won’t have an immediate impact on the rates you pay. It takes time to see results from the changes you make.
That said, insurance does tend to go down for new drivers as they continue to: