Canadian Automobile Insurance

Canadian automobile insurance is a type of coverage that is in many ways similar to policies provided by other countries, but is also a bit different. Understanding the similarities and differences of Canadian vehicle insurance can help interested individuals find the policy that fits them best. Sufficient coverage for your automobile is an important thing to have regardless of where you live. However people that move between the two countries may have lots of automobile insurance questions and will need to be familiar with how their protection will change should they want to drive in a country where they do not have residency.

Canadians that spend a large amount of time in the United States are going to need a policy that is effective in the US. There are limitations that apply to these situations and it is important to be aware of the options that are available. The following is a brief explanation of some of the choices that a visitor from Canada may have when entering the US in an automobile.

Temporary Methods

Many visitors from the north decided to purchase a temporary automobile insurance plan. These kinds of temporary automobile insurance plans often are offered by popular insurers on a limited basis. The policies generally cover a person for a certain amount of travel or miles within the country. When looking for a temporary plan, you are likely to find that the auto insurance quotes are fairly high, as the providers often feel as though Canadian visitors are more likely to misunderstand local laws and cause accidents. For this reason, you may find that the rates for Canadian car insurance for residents of Canada that are visiting are often fairly high.

Often, many people that have Canadian auto insurance and are visiting America are likely to just drive through and not worry about switching their automobile coverage. While it is unlikely that you will be stopped at the border for trying to do this, you will want to avoid automobile accidents and traffic stops. While a police officer may be willing to overlook your Canadian auto insurance policy, the provider will not cover any accidents or claims that take place in the US. However, some companies do offer extended coverage and it may be possible to add American coverage to your Canadian automobile insurance. It is essential that you speak with your Canadian provider before assuming that this is the case.

Moving to the US

If a person with Canadian automobile coverage decides to move to the United States, they will need to go through the process of finding an American provider. There are several steps that the person in this situation will have to go through to get the appropriate coverage. First, is to apply for and get a American drivers license. This can often be achieved after living in a particular state for a certain amount of time. The DMV will generally require proof of legal residency as well as other information that can be found on their website.

After getting a drivers license, the individual looking to change their Canadian auto insurance can begin looking at automobile policies in the US. These people may find that the car insurance rates offered to them are a bit higher than they are used to. This is due to the fact that the American providers often have a difficult time locating the driving record for Canadian residents and they have very little to go off of when offering automobile insurance quotes. Some providers do try to retrieve former records from the Canada insurers and these particular providers may be able to offer lower rates for people that have moved from Canada. In some cases, a letter from the Canadian insurer may help to impress the new provider and lower the overall prices.

People that are switching from their Canadian automobile insurance to an American counterpart will find that there are many options available to them. The industry in America is very large and can often be a bit confusing for individuals that do not have experience purchasing polices. Talk to an American agent and get the information that you need to make the best possible decision for your automobile insurance plan. Every state has specific laws that need to be followed and it is important to learn the details of the state you reside in.

Our website has information for each state and the policies that may be purchased therein. Read about Canadian automobile insurance and the options that are available to both residents from the US and visitors from Canada. Finding and purchasing a great policy is much easier than it has been in the past, and it may be much simpler to locate the automobile plan and rates that you want than you ever thought possible.


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