How does the type of car I drive affect the cost of my auto insurance?

The type of car you drive usually only affect the parts of your insurance that cover damage to your vehicle:

  • Collision
  • Comprehensive
  • Direct compensation

The cost for these coverages can vary because:

  • Some cars cost more to repair than others
  • Some cars hold up better in a collision than others (so need less repair work).

In Ontario the type of vehicle impacts Accident Benefits.

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