Auto Insurance in Bismarck, Virginia

Auto insurance is a critical aspect of responsible vehicle ownership in Bismarck, Virginia. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Virginia.

Understanding Vehicle Coverage in Bismarck

When it comes to vehicle coverage in Bismarck, Virginia, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Virginia

Car insurance holds paramount importance in Virginia, and Bismarck is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Virginia, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Bismarck, Virginia involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Virginia, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Bismarck, Virginia, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Bismarck Virginia Auto Coverage

Understanding the intricacies of auto insurance coverage in Bismarck, Virginia, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Virginia law, and additional coverage options that residents in Bismarck might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Bismarck have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Virginia: Every state, including Virginia, has its own set of minimum auto insurance requirements. In Virginia, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Bismarck: While meeting the state's minimum requirements is mandatory, many Bismarck residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Bismarck requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Bismarck Virginia

Affordable Auto Insurance in Bismarck, Virginia is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Bismarck:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Virginia, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Bismarck.

Bismarck Car Insurance Rates

Car insurance rates in Bismarck, Virginia, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Virginia, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Bismarck, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Bismarck, Virginia:

Keeping an eye on insurance rate trends in Bismarck is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Bismarck market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Bismarck, Virginia.

Best Auto Insurance Companies in Bismarck

When it comes to securing the best auto insurance in Bismarck, Virginia, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Bismarck residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Bismarck Assurance Services

• Why Choose Bismarck Assurance: Known for its local presence and personalized service, Bismarck Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Bismarck Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Bismarck Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Bismarck, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Bismarck, Virginia

Insuring your vehicle in Bismarck involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Bismarck

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Bismarck residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Bismarck residents.

Tips for Insuring Your Car in Bismarck

Insuring your car in Bismarck, Virginia, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Virginia's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Virginia.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Bismarck becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Bismarck Virginia

When it comes to securing auto insurance in Bismarck, Virginia, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Bismarck, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Virginia's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Bismarck area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Bismarck region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Bismarck:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Bismarck. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Bismarck. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Bismarck not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Bismarck, Virginia

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Bismarck residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Bismarck, Virginia, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Bismarck, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Virginia's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Virginia. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Bismarck, Virginia, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Bismarck's unique risks can help vehicle owners make informed decisions about their insurance coverage.

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• Ajusto takes into account your driving behaviour and habits to offer you a more personalized auto insurance premium. Ajusto is available free in our mobile app. Watch the video to see how it works.

• With Ajusto, you can take control of your auto insurance premium

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• [On-screen action: The Desjardins Ajusto app is displayed on a cellphone. The background is a bird'seye view of a highway winding through a forest.] 

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•  The Personal is offering the Ajusto program for free in The Personal app.

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•  Ajusto takes into account your driving behaviour and habits to offer you a more personalized auto insurance premium.

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• Let's look at how it works in 3 steps.

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•  Step 1

• Download The Personal app on your smartphone and enter your policy number.

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•  Go to the Ajusto section under the Prevention tab and sign up for the program through the app.

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•  You don't need to have a data plan to use Ajusto. Your driving data will be sent when your phone is connected to Wi-Fi.

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• Drive safely.

• Once Ajusto is activated, it will analyze when, where and how you drive to calculate your overall score.

• Ajusto looks at:

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•  [On-screen text: How fast you drive.]

•  How fast you drive Respecting the speed limit is an excellent way to reduce the risk of an accident.

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•  [On-screen text: How quickly you accelerate.]

•  How quickly you accelerate Smooth acceleration will give you a higher score.

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•  Always keep a safe distance from the vehicle in front of you. It gives you more time to brake gently and avoid a collision.

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•  How often you look at your cellphone Using a cellphone while driving is one of the main causes of accidents. Don't use it to help make the roads safer for everyone.

• Ajusto also looks at:

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•  When you drive Drivers are more likely to get into accidents during certain times of the day, like at dusk.

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•  Where you drive daily The more regular your daily routine, the less likely you are to encounter surprises and get into an accident. That means your score will be higher.

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• Learn more about your driving habits and check your score. 

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• Ajusto gives you personalized tips to improve your driving. You can also see your score. The higher your score, the more you save!

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•  Safe driving habits can help reduce your auto insurance premiums by up to 25%.

• It pays to drive safely. But if you’re more of a risk taker, your premiums could increase by up to 20%.

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•  You'll get a 10% enrolment discount on your insurance for the first 6 months.

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•  After 180 days and 1,000 kilometers, you'll get an insurance premium based on when, where and how you drive.

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• With Ajusto, get a more personalized premium based on your driving!

• Ajusto is a program that you can access from your smartphone to help you monitor your driving behaviours and habits and save on your auto insurance premium.

• Sign up for Ajusto and get a 10% enrolment discount on your auto insurance premium for the first 6 months.

• After that, you’ll get a more personalized premium based on your driving, and every time you renew. 

• Good to know: nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium.1

• How does Ajusto work?

• Download The Personal app

• The app is free and works on iPhone and Android smartphones.

• Download the app

• Sign up for Ajusto

• Go to the Prevention section of the app to sign up for the program.

• You don’t need a data plan.

• Drive carefully to increase your score

• Get your first score after 5 trips.

• For each trip, you’ll get personalized feedback on your driving.

• You control your score and your auto insurance premium

• Your Ajusto score is based on a number of things, including your driving behaviours. To boost your score and do your part for road safety, keep the following elements in mind when you’re behind the wheel.

• Cellphone distraction

• Distracted driving is one of the leading causes of car accidents. Keep everyone safe and maintain a good score by not using your cellphone when you drive.

• Fast acceleration and hard braking

• The more you can avoid fast acceleration and hard braking, the higher your score will be.

• Speed

• Respecting the speed limit decreases the risk of an accident and helps you avoid traffic violations! Driving with a feather foot also helps keep your score high.

• Other factors

• Your driving habits also affect your score.

• Time of day

• The risk of an accident during the day is lower than at night—and the lower the risk, the better your score!

• Distance travelled

• Less is more—it often pays to go only a short distance. And the shorter your trips, the more you could save!

• Familiar routes

• If you take the same routes all the time, you’re less likely to encounter surprises and get into an accident. The more regular your daily routine, the higher your score will be.

• What’s the Ajusto score for?

• Your score is based on your overall driving

• Ajusto calculates your score based on all of your driving behaviours and habits, not on one-off events.

• For example, if you brake hard to avoid a collision, this won’t affect your score.

• If this type of event happens, you can remove trips from the app that don't reflect your good driving habits. 

• Your score helps personalize your premium

• After a 180-day period and at least 1,000 km2 of driving, your score can be used to raise or lower your auto insurance premium.

• — • By driving safely, you could see a premium reduction of up to 25%.

• • Riskier driving could mean a premium increase of up to 20%.

• Good to know: nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium.1

• After that, each time you renew, you benefit from a premium that’s personalized based on your driving during the last 6 months. 

• — Your premium is also based on traditional factors, like past claims, driving violations or a change of address.

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• With Ajusto, we're adding a "safe driving" factor to insurance. So by driving safely, you could see a premium reduction of up to 25%. Whereas more risky driving could mean a premium increase of up to 20%.

• Good to know: nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium.1

• When you renew your auto insurance policy, your premium will also take into account traditional factors like your age, gender, vehicle model and year, driving convictions and claims.

• If you become ineligible or we are required to end your participation in the program, you will no longer be eligible to receive any enrolment discount or favorable program adjustment; however, any unfavourable program adjustment will continue to apply.

• Don't worry, a single event won't affect your score. We know that there are times when you need to accelerate fast to let an ambulance through or to brake hard to avoid a collision. So it’s good to know that your score isn’t based on one-off events. Instead it’s calculated on your driving profile as a whole.

• If this type of event happens, you can remove trips from the app that don't reflect your good driving habits.

• You can opt out of the Ajusto program at any time. In the app, go to Profile, choose Preferences, then Ajusto. To opt out, tap Deactivate Ajusto. Ajusto will then stop recording your trips. We'll update your auto insurance policy and send you a confirmation by email.

• If you just delete the app from your phone, you will still be enrolled in the Ajusto program. To opt out, you must deactivate the Ajusto add-on in the app.

• If you opt out of the program before 6 months (180 days) have passed:

• If you opt out of the program after 6 months (180 days) have passed:

• If you need help, call By phone : 1-888-476-8737.

• See our FAQ

• Discover The Personal app

• With our mobile app, it's easy to sign up for the Ajusto program, manage your insurance, access your digital proof of auto insurance3 and make a claim.  

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• At The Personal, we’re committed to respecting our clients’ right to privacy. For more information, read our Management and Protection of Personal Information Policy for mobile application users and the Ajusto program terms and conditions.

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• The discount and the personalized premium do not apply to certain endorsements or additional coverages.  Learn more.  

• Ajusto is underwritten by The Personal and available in Quebec, Ontario and Alberta only.

• Ajusto®  is a registered trademark of Desjardins General Insurance Inc., used under licence.  

• Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

• Google Play, Google Play logo and Android are trademarks of Google LLC.

• 1. Compared to the initial premium, before the 10% enrollment discount for the first 6 months was applied. Based on the scores of all clients signed up for the most recent Ajusto program offered through the insurer subsidiaries of Desjardins General Insurance Group Inc. (as at September 5, 2023). [Back]

• 2. The usage period is 180 days and must include at least 1,000 kilometres driven. During this time, the principal driver must not remain inactive for more than 30 consecutive days. 

• If you decide to opt out of Ajusto before your first 6 months are up:  

• • You’ll lose your 10% enrolment discount.  • If your score is 60 or less, it’ll be used to calculate your premium the next time you renew your insurance.    • If you’ve driven less than 1,000 km, none of your data will be used to calculate your insurance premium.  [Back]

• 3. Digital proof of auto insurance is generally accepted in Alberta, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Ontario, Prince Edward Island, Quebec, the Yukon and in most American states. When you're driving, keep a paper copy with you in case your phone isn't charged and you're asked to show proof of insurance. [Back]

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