Estimate insurance costs by getting a quote online for both car and home coverage
Learn how you can get an estimated quote for the cost of your insurance premium using the belairdirect insurance quoter tool.
With the quoter tool, you can get an insurance quote with a price estimate in just minutes!
With the belairdirect quoter tool, you’ll be able to:
- Get an insurance price estimate in just minutes
- Save time by getting a quote when it’s convenient for you
- Get insurance cost estimates based on your specific needs to help you compare when you shop around
How do car insurance companies calculate my auto insurance premium?
When it comes to determining the price you pay for your auto insurance policy, Canadian insurers use the following criteria to figure out what you should be paying as a car insurance premium:
Your vehicle’s profile
The year that your car manufactured, the number of kilometers you anticipate driving, vehicle class (sedan, SUV, pickup truck, etc.), and the CLEAR rating, which includes the vehicle’s safety rating, are all considered when calculating insurance premiums.
The more miles you put on your car, the higher your premium might be. Insurance companies factor the time you spend on the road as a metric to determine the likeliness of you having an accident.
The area you live in
Insurance companies will take into account the area you live in as a factor to calculate your monthly car insurance cost. Local accident statistics and population density allow an insurer to determine the level of risk they’ll be taking on when they insure your vehicle.
How you use your vehicle
No matter if you use your car for business, as your method for commuting daily, or if you strictly drive on weekends, each of these scenarios affects how your premiums are calculated. The more you drive, the more you will pay for insurance in most cases.
Your driving record
Being a safe driver pays. If you have a clean driving record, the actuarial department can take it into consideration when calculating your insurance premiums. Good drivers have a history behind them that proves to an insurance provider that they can be trusted and that it will be less likely that they could be the cause of an accident.
The opposite is also true. A driver with a bad record may be susceptible to higher premiums as the risk of them getting into an accident is higher.
Your credit history
In specific provinces, certain credit information can help an insurance company predict the likelihood of future insurance claims. By submitting to a credit check, someone with a good credit history could save on their car insurance premiums. Talk to an insurance agent to see if this applies for the province you live in.
Any discounts you may be eligible for
The better an insurance agent understands your situation, the more discounts they can apply to your insurance coverage. If you have an exceptional driving record, or drive a low number of kilometers per year, you could be eligible for a reduced insurance premium.
How do insurance companies calculate my home insurance premium?
When it comes to determining the price you pay for your homeowners insurance policy, Canadian insurers use the following criteria to figure out what you should be paying as a home insurance premium:
The price of your home and the cost to rebuild it
The price of your home insurance coverage will reflect the price you paid for the home and what it would cost to rebuild it in the event of a covered total loss. Banks and mortgage lenders in Canada will require you to invest in homeowners insurance to protect the asset they’ve provided a loan for.
The neighbourhood you live in
Depending on where you live, local crime and insurance claim data can affect the price of your home and tenant insurance premiums. If your home is located near a forest, a lake, or any large body of water, their proximity may also affect the price of your home insurance premium.
The contents of your home or apartment
When insuring your home, condo, or apartment, you will need to provide an estimated total value of your personal property. Depending on how much you value your property, the higher your premium could be to cover the costs might be. For certain high-value items such as jewelry and art, you may need to talk with an insurance agent for additional coverage.
Your deductible
By increasing the deductible you need to pay when making a home insurance claim or tenant insurance claim, an insurance provider might be able to decrease your premium.
The age of the home and its condition
Older homes built with materials that are more susceptible to damage can have higher rebuild costs, which increase the amount of home insurance required.
Your credit history
In specific provinces, certain credit information can help an insurance company predict the likelihood of future insurance claims. By submitting to a credit check, someone with a good credit history could save on their home insurance premiums. Talk to an insurance agent to see if this applies to the province you live in.
Any discounts you may be eligible for
The better an insurance agent understands your living situation, the more discounts they can apply to your home insurance coverage. If you, you could be eligible for a reduced homeowners insurance premium.
How to get your insurance price estimate
Follow these steps to get a quote:
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On the belairdirect website, click or tap “Insurance” on the top menu. Click “Car insurance”.
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Click “Get my price” to start the quote submission process.
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Select either “Car”, or “Car + Home” if you’re interested in bundling your insurance coverage with belairdirect.
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You will be asked several questions regarding your car and driving habits. Simply answer the questions and the tool will guide you along the way.
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Once finished, you’ll be asked to fill out some contact information including your email and phone number. There will be a box you can check to agree with the Terms of Use. Finally, you may be asked to consent to an optional soft credit check in certain provinces.
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Click “Get your price”. That’s it! You’ll receive your car insurance quote in your inbox within a few minutes. An agent will call you back to confirm the coverage and price.
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On the belairdirect website, click or tap “Insurance” on the top menu. Click “Home insurance”.
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Click “Get my price” to start the quote submission process.
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3
Select either “Home” or “Car + Home” if you’re interested in bundling your insurance coverage with belairdirect.
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4
Select your type of home from the three options: “Homeowner”, “Condo owner” or “Tenant”. You will be asked several questions regarding where you live. Simply answer the questions and the tool will guide you along the way.
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5
Once finished, you’ll be asked to fill out some contact information including your email and phone number. There will be a box to check where you can agree to the Terms of Use. Finally, you will be asked to consent to an optional soft credit check.
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Click “Get your price”. That’s it! You’ll receive your home insurance quote in your inbox within a few minutes. An agent will call you back to confirm the coverage and price.
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1
On the belairdirect website, click or tap “Insurance” on the top menu. Click “Car insurance”.
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2
Click “Get my price” to start the quote submission process.
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3
Select “Car”. Then you will be asked some contact information including your email and phone number.
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1
On the belairdirect website, click or tap “Insurance” on the top menu. Click “Home insurance”.
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2
Click “Get my price” to start the quote submission process.
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3
Select your type of home from the three options: “Homeowner”, “Condo owner” or “Tenant”. You will be asked several questions regarding where you live. Simply answer the questions and the tool will guide you along the way.
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4
Once finished, you’ll be asked to fill out some contact information including your email and phone number. There will be a box to check where you can agree to the Terms of Use. Finally, you will be asked to consent to an optional soft credit check.
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5
Click “Get your price”. That’s it! You’ll receive your home insurance quote in your inbox within a few minutes. An agent will call you back to confirm the coverage and price.
What can you do to reduce your auto insurance premiums?
There are a few strategies that can help you reduce your car insurance premiums:
Store your car in a safe place
Storing your vehicle in a garage or private parking lot can prevent theft, vandalism, fender benders, and damage caused by bad weather.
Ask for a higher deductible
With a higher deductible, an insurance agent may be able to reduce the price of your premium.
Keep a good driving record
Safe drivers statistically pay less in premiums because they are less likely to cause accidents.
Consider bundling your insurance coverage
Bundling coverage with a single insurance company could help bring down the price of your premium and make your life a little easier!
See how much you could be paying for insurance
Frequently asked questions about getting an insurance price estimate
Need answers to your insurance quote questions? We’re here to help.
1 - What is an insurance quoter?
belairdirect's insurance quoter is a tool that helps you determine how much insurance coverage will cost you by answering questions about where you live, your driving habits, and your lifestyle. With so much information on the web and so many insurance companies claiming to offer the “lowest prices”, shopping for home or auto insurance can feel overwhelming.
When you get a quote from belairdirect using our insurance quoter, you’ll get the price estimate of your insurance policy and the coverages included, so you can calculate and compare them to other insurance companies.
It’s just another way that belairdirect stays as transparent as possible with you so that you can get the best possible coverage that fits your lifestyle.
2 - What are the benefits of using an insurance quoter?
There are several benefits to using an insurance quoter.
You’ll be able to determine how much insurance may cost in your local area. It gives you the information you need to help determine the cost of car insurance and homeowners insurance coverage, so you can make sure you’re getting the right coverage for the best price.
When determining how much you’ll be paying for insurance, you’ll be able to weigh all your options without any pressure and save time by avoiding multiple phone calls.
You’ll also be able to determine what kind of premium reductions you can inquire about and how much you can save.
Another benefit to using a rate quoter for car insurance is being able to estimate how much insurance will cost you for a new car before you purchase it. You’ll be able to get a good estimate price for your car before you even step into the dealership.
Finally, you’ll be able to get a quote quickly and conveniently at the best time for you
Take the time to calculate your insurance rates and see how much you could be saving.