Automobile
Automobile Insurance
At A.P. Reid Insurance Stores, we understand that your vehicle is important to your daily life. Whether it be transportation to get to work, going out with friends, or running the family errands; your personal automobile is a vital part of your daily routine. We also understand your considerable investment in purchasing, operating and maintaining your vehicle. Either on a stand-alone basis or as part of a comprehensive personal insurance package, A.P. Reid Insurance Stores is here to protect this investment.
Coverages Available
You can choose from a wide range of potential coverage options for you automobile;
• Third Party Liability
• Accident Benefits – Including optional increased limits
• Collision Damage
• Theft
• Fire
• Vandalism
• Protection against un-insured and under-insured drivers
• Loss of Use Coverage
• Waiver of Depreciation for new cars
• Driving Record Protector
How is my Premium Calculated?
When we calculate your premium, a number of factors are used. First you as a driver are given a “classification.” This classification is based on whether or not the vehicle is regularly used for driving to work, for business, or simply for pleasure. Also, depending on where you live, your classification may include how long you’ve been driving, how old you are and/or marital status. We then consider your “driving record,” which is the accidents, claims or convictions assigned to you, any member of your household or any regular driver of your vehicle. The year make and model of your car is used to determine the average severity of any claim you may have; and finally we consider the province or region in which your vehicle is normally driven or housed.
Getting a quote is easy, just Call, Fax, Email or Drop by one of our offices, where one of our experienced customer service representatives will be happy to meet with you.
