Manitoba Car Insurance: 10 Things You Need to Know

10 Things You Need to Know About Car Insurance in Manitoba

1. Getting car insurance in Manitoba is a requirement for all vehicles and it’s mandatory to purchase basic coverage from Manitoba Public Insurance. There are a few options for obtaining extension coverage, including purchasing a policy from a private insurance company or adding it to your existing autopac policy.
   
   
2. There are several types of car insurance options available in Manitoba, including increased liability, auto loss of use, and increasing or decreasing your deductible. It’s important to understand the differences between these options and choose the coverage that best fits your needs and budget.
   
   
3. When shopping for a new vehicle it’s important to compare car insurance rates using the MPI rate calculator. You will need to have some basic information about yourself and the vehicle, such as your driving record and the make and model of the vehicle. The tool will provide you with a quote on basic autopac and give you the option to include extension products.
   
   
4. The Manitoba Public Insurance Corporation (MPI) is a crown corporation that provides basic car insurance coverage to Manitoba drivers. In addition to basic coverage, MPI also offers extension coverage plans and services such as lower deductibles, increased liability, auto loss of use, and rental car coverage.
   
   
5. Why Do My Auto Insurance Rates Keep Going Up? There are several factors that can affect car insurance premiums in Manitoba, including the type of car you drive, your driving record, and your location. By understanding how these factors can impact your premium, you can make informed decisions about your coverage.
   
   
6. There are several ways to save on car insurance in Manitoba, including increasing your deductible and maintaining a good driving record. It’s also a good idea to shop around and compare rates from extension insurance providers such as Sandbox Insurance.
   
   
7. When it comes to car insurance with MPI, the make, model, and year of your vehicle are factors that can affect your premium. Vehicles that have a better safety record, are less likely to be stolen, or have lower repair costs tend to have lower insurance rates. For instance, cars with advanced safety features such as lane departure warning, automatic braking systems, or backup cameras can be eligible for lower rates.
   
   
8. If you are involved in a car accident in Manitoba, it’s important to follow the proper steps to file a claim. This includes contacting the police and MPI, as well as gathering any necessary documentation and evidence.
   
   
9. Your driving record can have a significant impact on your car insurance premium in Manitoba. A history of traffic violations or accidents can increase your premium, while a clean driving record can result in lower rates.
   
   
10. Violating distracted driving laws in Manitoba can result in fines and demerit points on your driving record. These consequences can have a significant impact on your car insurance premiums, as a poor driving record can increase your rates.

Remember, car insurance in Manitoba isn’t just a requirement, it’s an investment in your safety and peace of mind. By understanding the options available to you and making informed decisions, you can find the coverage that best fits your needs and budget. Drive safe and stay covered!

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