Finding affordable auto insurance has never been easier thanks to YouSet. Compare auto insurance quotes in less than 4 minutes with YouSet and find the best protection for your vehicle. Our automated platform will screen the market for auto insurance policies that suit your needs, helping you
save time and money.
YouSet’s automated platform is easy-to-use and finds you the best auto insurance quote available in less than four minutes. In fact, YouSet has saved customers, on average, 29%, on all their home and car insurance premiums. At YouSet, we combine data, modern technology, and human expertise to find you the best auto insurance policy.
Rather than manually comparing auto insurance quotes from different companies, YouSet will immediately connect you with multiple insurers in minutes. With YouSet by your side, shopping for auto insurance is completely transparent, helping you protect your vehicle with a personalized policy.
YouSet’s online platform is free, and comes with personalized support every step of the way, via chat, email, or phone, ensuring you find the best auto insurance policy on the market. YouSet has served over 150,000 satisfied users and will find you an affordable auto insurance policy that works for you.
What is the process of getting auto insurance with YouSet?
Shopping for
auto insurance can be time-consuming, especially when comparing quotes from different companies. With YouSet, our online platform will help you find a personalized auto insurance policy in less than four minutes.
Begin by answering a few questions, and our algorithm will immediately connect you with multiple auto insurers. The final step involves customizing your auto insurance policy with any coverages you might want.
Once you have finished customizing your auto insurance policy, you can purchase it directly from YouSet’s online platform. YouSet is here to help every step of the way, offering support via chat, email, or phone to answer any questions you might have.
What does auto insurance cover?
Your vehicle is one of your most valued assets. Auto insurance policies protect your vehicle in case of accident, theft, and potential damage, offering some much-needed peace of mind on the road. Indeed, auto insurance policies are mandatory in Canada.
Common auto insurance coverages include but are not limited to, liability insurance, collision insurance, accident benefits,
car rental insurance, collision forgiveness, road-side assistance, and more.
Auto insurance coverages differ from insurer to insurer and will ultimately depend on what you are looking for. With YouSet by your side, however, finding the best auto insurance policy is as straight-forward as ever, helping you compare and understand auto insurance quotes in less than four minutes.
Standard auto insurance policies will include a number of different coverages including liability insurance, accident benefits, collision or upset coverage, as well as comprehensive coverage. Learn more about standard auto insurance coverages.
Liability coverage is mandatory in Canada before hitting the road and is an essential component of auto insurance policies. Liability insurance coverage protects you and other drivers financially in accidents when you are at fault.
However, you don’t necessarily have to be at fault. In Quebec, there is no fault indemnisation. You claim directly with your insurer even if you are not at fault. Liability insurance will cover damages caused to a third party and covers damages, injuries, or losses experienced by you or another driver.
Collision insurance covers the cost of repair or replacement of your vehicle if you hit another car or object, including a street sign, fire hydrant, light, and more. It also covers you if another car hits you and includes upset. This coverage can also help cover the cost of replacing your vehicle after a collision.
Comprehensive coverage covers all damages to your vehicle other than collision and upset including fire, theft, vandalism and windshield replacement. This coverage protects your vehicle in a number of different scenarios, especially when you are not driving. This can include a rock cracking your windshield, weather-related damage, airborne objects, and more.
Your deductible is set by you when you take an automobile insurance policy and it will be the amount that you need to pay to the insurance company in the event of a claim. In some collision claims, you will not be required to pay a deductible if the other person is 100% liable.
Accident benefits coverage is yet another mandatory requirement in your auto insurance policy (except in Quebec, Newfoundland and Labrador), covering you and those mentioned on the policy for death, dismemberment, and reimbursement of medical expenses in the event of an automobile insurance claim. It will also cover the insured during an automobile accident even if they are the passenger in another vehicle, a pedestrian or riding a bicycle.
Note: In Ontario, B.C., Manitoba, and Saskatchewan, this coverage is included in your government auto insurance plan, while for the rest of Canada, this coverage must be added to your auto insurance policy.
Optional auto insurance coverages
From coverage for roadside-assistance fees to insurance for vehicles that you do not own, there are a few considerations to make with auto insurance policies. Learn more about optional auto insurance coverages.
Coverage for vehicles that you do not own, including rental cars in Canada and the United States
While car rental companies offer their own insurance, adding car rental insurance to your auto insurance policy protects you against damage, theft, and liability. This is particularly useful if you regularly rent cars.
Coverage for roadside-assistance fees
Emergency road-side assistance is yet another important coverage, helping you easily access roadside services in any situation. Whether you get a flat tire, or need your vehicle towed, emergency-roadside assistance has you covered. This coverage ensures you get the help you need on the road quickly and safely.
Optional auto insurance coverages
From coverage for roadside-assistance fees to insurance for vehicles that you do not own, there are a few considerations to make with auto insurance policies. Learn more about optional auto insurance coverages.
QEF 27 - Coverage for vehicles that you do not own, including rental cars in Canada and the United States
While car rental companies offer their own insurance, adding car rental insurance to your auto insurance policy protects you against damage, theft, and liability. This is particularly useful if you regularly rent cars.
Coverage for roadside-assistance fees
Emergency road-side assistance is yet another important coverage, helping you easily access roadside services in any situation. Whether you get a flat tire, or need your vehicle towed, emergency-roadside assistance has you covered. This coverage ensures you get the help you need on the road quickly and safely.
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Why do I need auto insurance?
Auto insurance policies are mandatory in Canada by law and offer you an additional layer of security before hitting the road. These policies can protect you from having to pay for repairs to your car or another vehicle if it has been damaged in an accident. Coverage for damages to the vehicle can be mandatory if the vehicle is financed or leased.
Auto insurance policies protect your vehicle in any situation, whether you are a victim of theft, get into an accident, or with civil liability claims. Put simply, auto insurance helps you secure one of your largest investments, offering financial protection against the unexpected.
After all, accidents happen – even to the best of drivers. Learn more about protecting your vehicle with a fully customizable auto insurance policy in less than four minutes with YouSet.
We hope we answered all your questions about auto insurance, but if you’re still looking for more information, our frequently asked auto insurance questions have you covered. From what auto insurance covers, to how it is calculated, and what to do after an accident, YouSet has the answers.
Can I insure a car that is not under my name?
No, you cannot insure a vehicle that you do not own, however, the car owner may list you as a principal operator. The most convenient option would be to be added to the car owner’s auto insurance policy, offering you all the essential coverages.
How is my car insurance premium calculated?
Car insurance premiums are dictated by a variety of factors that all impact the final car insurance quote you receive. Common factors include your personal driving record, claims history, the car you drive, the cost to repair your car, usage, your postal code, and how you intend to use your car.
Your location, as well as the make and model of the vehicle are additional factors that go into the calculation of your auto insurance premium.
Does car insurance cover theft?
Yes, your auto insurance policy can protect you against theft. However, you must have opted in to one of three potential coverage options: Specified perils, comprehensive coverage, and all perils coverage.
In case of an accident how can I determine if I am responsible or not?
Determining which party is at-fault for the accident will ultimately come down to each driver. In most cases, determining if you are responsible for an accident is pretty straight-forward, however, when it is not, your insurer will use the Direct Compensation Agreement (DCA). This document, based on the Highway Safety Code, illustrates all possible accident scenarios to determine which driver was at-fault for the accident, to what degree.
Why is car insurance mandatory?
Auto insurance policies in Canada are mandatory to protect each and every drive on the road. Auto insurance policies offer you financial protection in the event of an accident or civil liability claim. Rather than paying the full price of repairs, with a car insurance policy, you must only pay your deductible.
Car insurance also offers protection against civil liability, covering any damages, losses, or injuries by another driver or individual. In many ways, auto insurance policies secure your investment, protecting your vehicle in any situation.
Does car insurance cover rental cars?
Yes, auto insurance policies also cover rental cars. When shopping for auto insurance, be sure to add car rental insurance coverage to your policy to be protected. Car rental insurance typically covers damages to the rental vehicle, as well as damages to another person’s property or vehicle, and injuries.
Does car insurance cover me as an Uber driver?
Using your vehicle for Uber or any other ridesharing service is considered business use and could be covered by your insurer. Be sure to consult your broker to see if they offer this type of product. Alternatively, consult your ride-sharing service and see how you can protect yourself and vehicle while on the road.
Can car insurance be cancelled at any time?
Yes, you can cancel your auto insurance policy at any time, even before the renewal date. Before doing so, however, consult your auto insurer as there might be cancellation fees associated. While you can cancel your auto insurance policy any time, it may not always make financial sense.
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