Auto Insurance Advice – Roger Menard Insurance


It’s a given—you need auto insurance before you can drive any type of motor vehicle. And making sure you have the right level of coverage in place is important. That’s because auto insurance protects against more than the cost of repairing or replacing your vehicle—it also protects your financial security.

Protect your financial security against liability claims.

Every auto insurance policy includes protection against third-party liability—and for good reason.

Third-party liability insurance covers you if your vehicle injures someone else or damages their property and you are held legally liable. While every province requires a minimum amount of liability coverage, this amount is unlikely to be enough if the courts order you to pay a substantial amount of money in damages. To help avoid this potentially devastating effect on your finances, it’s a good idea to purchase more than the required minimum.

Protect your vehicle against damage or theft.

Whether you drive a car, a motorcycle or some type of recreational vehicle, you’ll want coverage to help pay for the cost of repairing or replacing it. Here are the options* you can choose from based on your needs and budget:

  • Collision provides coverage in case your vehicle hits another vehicle or object.
  • Comprehensive provides coverage for your vehicle against damage caused by unexpected situations including falling or flying objects, vandalism and the specified perils listed below (but not collision).
  • All Perils combines both Collision and Comprehensive coverage.
  • Specified Perils protects your vehicle against specific situations including fire, theft/attempted theft, some natural disasters, riots or civil disturbances.

Ready to learn more?

Visit our Auto Insurance site for additional details on your coverage options and to explore the benefits of choosing Roger Menard Insurance®.

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Lower your premiums by increasing your deductible. But be sure you can pay your deductible without difficulty in the event of a claim.

Insure more than one vehicle with us and you could save up to 14% on certain sections of your automobile policy.**

Insure both your home and auto with us and you could save up to 12% on your policy premium, excluding endorsements (any additional, optional protections that are added to your policy).

Install an approved anti-theft device in your vehicle and you could save up to 15% on your comprehensive or specified perils premium.

Get your auto insurance quote online and you could save up to 5% on your policy premium.

Enrol your child in a driver’s education class. After completion, he or she could qualify for a lower premium.

Do you rent a vehicle several times a year? Extend the coverage on your personal vehicle to non-owned vehicles and you won’t need to buy insurance from the rental agency.

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How does a deductible work?
Say your deductible is $500 and you have an accident that results in $2,000 worth of damage to your vehicle. In this example, you would pay $500 and could make a claim for the remaining $1,500.

What types of vehicles does Roger Menard Insurance cover?
We offer various coverage options for any of the following vehicle types: auto (car, SUV or minivan), motorcycle, camper/trailer, motorhome/RV, snowmobile and All Terrain Vehicle (ATV).

I have no accidents or claims—will I pay less?
Your driving record is one of many factors that determine your premium. If you’re an experienced driver with a claim- and accident-free history, you can probably expect to pay lower premiums.

Do some vehicles cost less to insure?
Yes. Statistically, some vehicles are less likely to be involved in an accident or theft and also cost less to repair. Before buying a new vehicle, get quotes for different makes and/or models.

If I lend my car to someone, am I responsible if he or she causes an accident?
Yes. If the person driving your vehicle causes an accident, you, as the owner, may be responsible. Your insurance rates could go up as a result.

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Author: car health