Auto Insurance BC
Every driver has different insurance needs. The vehicle you drive, who drives it, how you use it and the coverage you choose can all affect your auto insurance.
Cascade Insurance helps BC drivers understand their insurance options and choose coverage that fits their vehicle and driving needs.
Auto Insurance for BC Drivers
Vehicle insurance in British Columbia starts with mandatory Basic Autoplan coverage.
From there, drivers can consider optional coverage based on their vehicle, driving habits and individual needs.
The important part is understanding what your insurance covers and where additional protection may make sense.
A Cascade Insurance advisor can review your situation, explain the available options and help you make an informed decision.
Auto Insurance
Basic Autoplan
Mandatory foundation
Optional Auto Insurance
Additional coverage based on your needs
Coverage depends on the policy and insurer. Speak with a Cascade Insurance advisor to understand your options.
Basic Autoplan Insurance
Basic Autoplan is the mandatory vehicle insurance required for drivers in British Columbia.
Your Basic Autoplan coverage provides the foundation of your vehicle insurance. Rather than simply renewing the same policy every year, it is worth reviewing whether anything has changed.
Tell your advisor about changes such as:
Accurate information helps make sure your policy reflects how the vehicle is actually being used.
Optional Auto Insurance
Basic insurance does not necessarily provide all of the protection you may want for your vehicle.
Optional auto insurance can provide additional protection based on your needs and the coverage selected.
Collision Coverage
Collision coverage can help with insured damage to your vehicle resulting from a collision, subject to your policy terms and deductible.
Comprehensive Coverage
Comprehensive coverage can help protect your vehicle against certain insured losses that do not result from a collision. Depending on the policy, this can include events such as theft, vandalism and certain types of weather-related damage.
Additional Liability Coverage
Drivers may choose additional liability protection beyond the basic coverage provided with their vehicle insurance. Your advisor can explain the available limits and help you consider what is appropriate for your situation.
Additional Auto Coverage
Other optional coverage may also be available depending on your vehicle, driving needs and eligibility. Rather than adding coverage you may not need, a Cascade advisor can explain the options and help you understand what each one is designed to cover.
Choosing Auto Insurance That Fits How You Drive
There is no single auto insurance setup that is right for every BC driver. Your insurance needs can depend on factors such as:
A new vehicle used for a daily commute can have very different insurance needs from an older vehicle driven occasionally. The goal is to understand those differences before choosing your coverage.
Do I Need Collision and Comprehensive Coverage?
Collision and comprehensive coverage are common optional coverages, but they serve different purposes.
Collision Coverage
Collision coverage generally relates to insured damage caused by a collision.
Comprehensive Coverage
Comprehensive coverage generally relates to certain insured losses that are not caused by a collision.
Whether these coverages make sense for you can depend on your vehicle's value, your financial situation, your deductible and how much risk you are comfortable taking on yourself.
Your Cascade advisor can explain the available options so you can make that decision with a clear understanding of the coverage.
Review Your Auto Insurance When Things Change
Your auto insurance should reflect your current situation, not how you were driving several years ago. It is a good idea to review your policy when:
Even if nothing major has changed, your renewal is a good opportunity to review your information and coverage.
Why Choose Cascade Insurance?
Cascade Insurance has helped BC residents with their insurance needs for over 40 years. Our advisors can help you understand your auto insurance and the coverage options available for your situation.
Experienced Local Advisors
Speak with insurance professionals who understand the needs of BC drivers.
Clear Coverage Explanations
We help you understand your basic and optional coverage so you can make informed decisions.
Coverage Based on Your Needs
We look at your vehicle, how you drive it and your insurance needs when discussing available coverage.
Local Service
Cascade Insurance serves clients through our Surrey and Langley offices, with Burnaby available as a Virtual Office.
Frequently Asked Questions About Auto Insurance in BC
Get Auto Insurance in BC
Auto insurance doesn't need to be difficult to understand. Tell us about your vehicle, who drives it and how you use it. A Cascade Insurance advisor can explain your basic and optional insurance options and help you choose coverage for your situation.