The three components considered in an auto insurance policy are:

  1. Your driving record
  2. Where you live
  3. The vehicle that you drive


Premiums are affected by HOW you drive, WHERE you drive, WHAT you drive, WHEN you drive, and the Distance you drive.


Your Premium may increase if you:

  • have an "at-fault" accident
  • have traffic convictions
  • buy a more expensive car or one that is more likely to be stolen or damaged
  • move from a suburban area to the downtown area of a big city
  • begin driving to work, or driving further to work
  • add a new, inexperienced driver to your policy




  • Drive Safely: " At-fault" accidents and driving convictions will increase your premiums.
  • Raise your deductibles: The higher your deductibles, the lower your premium.
  • Drop unnecessary coverages: If you have an older vehicle, consider dropping collision coverage.
  • Buy vehicles that are less expensive to repair or replace in parts (Parts and maintenance costs for import cars are, in general, more expensive than those in domestic cars)
  • Buy vehicles that are less likely to be stolen, such as vehicles with anti-theft devices
  • Select less expensive domestic vehicles instead of imported cars

The Vehicle Information Centre of Canada (VICC), a division of the Insurance Information Centre of Canada (IICC), was established in 1989 to provide analysis of Insurance claims by individual vehicle models.

The concept behind the system: 

Higher Claims = Higher Insurance Premium Rate

Lower Claims = Lower Insurance Premium Rate


Copyright 1999 CIS Insurance Brokers (Canada) Ltd. All rights reserved.
Revised: October, 2008