Home Insurance Business/commercial Life Insurance And More
We provide financial insurance for your home, business, car , vacation and more. We offer monthly payment plans and free delivery services. We also offer senior discounts, and we are handicap-friendly. For more information on car, home, life, or other forms of insurance, please contact or visit one of our six insurance agency locations in the Surrey / Delta / New Westminster / Burnaby areas.
Changes To Car Insurance
ICBC Renewals by Phone: Now you can renew your ICBC Autoplan by phone at or in person when you pre-book an appointment at your local BCAA Service Location. For a smooth renewal by phone, check out our FAQs.
ICBC Enhanced Care: Starting May 1, 2021, ICBC is introducing new Enhanced Care coverage which will impact your car insurance coverage. Weve also made changes to BCAA Optional Car Insurance.
When To Switch Auto Insurance Companies
Although you can change car insurance companies at any time, there are often situations that lend themselves well to looking for a new company. These circumstances may include:
While switching carriers can have its advantages, there are also times when changing insurance companies may not be a good idea. If you have just filed a claim, for example, you likely will not be able to change carriers. If the claim has not been settled and paid, your new car insurance company will not have the opportunity to correctly rate your policy. This could cause a large increase in your new policy at renewal, a retroactive charge to account for the increased risk that the new company did not know about or even a cancellation for misrepresentation if you did not tell your new carrier about the claim.
Expert Advice By Phone Or In Person
At BCAA, our local experts are here to help with all your car insurance needs by phone or in person. When its time to renew your car insurance, give BCAA a call or if you prefer, visit one of our 29 locations across BC. From mandatory ICBC Autoplan to BCAA Optional Car Insurance, we have you covered.
Buying Auto Insurance Over The Phone
If you find a car you want to buy over the weekend, you might need to provide proof of insurance before you can drive it off the lot. If you don’t have an existing insurance policy, most companies will provide insurance quotes over the phone on Saturdays and Sundays. You can make this process easier by doing research before you start car shopping.
If you already own a car with insurance, your policy might cover a new car for a certain period. Check your insurance policy for this type of provision, so you know if your new car will be covered for the weekend and what type of coverage it will have.
More About Travelers Insurance
Travelers sells car insurance, and boat and yacht insurance . Optional auto insurance add-ons include roadside assistance coverage and rental reimbursement coverage.
For drivers who want to protect their vehicle when its financed or leased, Travelers offers loan/lease gap insurance. If your vehicle is totaled, this add-on coverage can help cover the difference between the actual cash value of the car and the remaining balance of your loan or lease.
Monitoring Actual Driving People Are Divided
Usage-based auto insurance, which utilizes actual driving data in rates, could reduce reliance on non-driving price factors such as education. Using telematics, these insurance programs monitor and score actual driving such as speeding, braking and cornering.
About half of survey respondents said theyd be very comfortable or somewhat comfortable with having their driving closely monitored if it could lead to lower car insurance rates. A smaller portion had reluctance, expressing discomfort with such oversight.
So while auto insurance companies seek more precise ways to price individual risk, drivers may find fewer and fewer options that dont use highly personalized measurements.
What Reasons Are There To Contact An Agent On Saturday Or Sunday
Lets say you spend all day Saturday looking for that perfect car. Youre ready to close the deal but want to make sure you are insured when you drive it off the lot. What do you do?
Lets say another car backs into you at the mall. Everyone is okay, but there is damage to your car. How do you let your insurance company know what happened? Are insurance companies open on Saturday?
These are just two scenarios where you might need to contact your car insurance company on the weekend.
Whatever the reason you need to contact your company, car insurance companies try to be available when they are needed.
Being available on Saturday and Sunday offers customers the convenience of doing business on their time with quick and easy service.
What Kind Of Car Insurance Coverage Do You Need
No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
- Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
- Coverage against perils other than collision or upset, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
- All Perils protection combines both of the above coverages.
- Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
You Need Coverage Right Away When You Buy A Car
You cant procrastinate when it comes to auto insurance. If youre going to purchase a car, you better be sure that youre prepared to buy insurance as well.
According to the International Organization of Motor Vehicle Manufacturers, the number of cars sold annually has generally increased year over year. Every one of those cars purchased must be insured immediately, even the vehicles sold outside normal working hours.
Number of Registered Cars by State
As soon as you purchase a car, youre the cars legal owner, and its your responsibility to comply with auto insurance laws.
Car Insurance Quotes That Are Customized For You
Everyone needs car insurance. Get a quote from a company that delivers affordable rates and personalized service when you need it. GEICO’s an auto insurance company that’s been saving people money for more than 75 years. That’s why we know a thing or two about cheap car insurance rates. We deliver a car insurance policy with exceptional coverage and best-in-class customer service, and that matters when you have an accident or are stuck on the side of the road. Get a fast and free car insurance quote to see everything GEICO has to offer.
Why Choose Bcaa Car Insurance
We understand the unique needs of BC drivers. Whether you use your vehicle for work, pleasure or business we can help find right coverage for you.
One of the largest ICBC Autoplan Brokers
Our local experts are here to help with all your car insurance needs by phone or in person at one of our 29 locations across BC.
Valuable Ways to Save
BCAA Members save up to 20% on BCAA Optional Car Insurance. Plus, you save up to $40 when you combine your Home and Car Insurance with us too.
Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.
Saving the Day
Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call.
The Power of Choice
At BCAA, you can get your ICBC Basic Autoplan and we give you choice for optional car insurance that could save you money, give you better coverage, or both.
Can Independent Agents Set Their Own Office Hours
If you need a car insurance provider with the flexibility of open office hours on the weekend, you may benefit from working with an insurance agent. They operate differently than big brands and may have more availability.
Check your local office for its Saturday and Sunday hours. Agents set their own hours, which tend to be more convenient for busy customers. Most will have at least one day over the weekend when they are open to assist customers. You can generally schedule an appointment for Saturday, Sunday, or after hours.
Geico Car Insurance Discounts
Geico offers many discounts, especially for drivers who practice safe driving habits. If youre in the military or are part of an emergency deployment, you could receive between 15% and 25% off your policy. And, if youre a loyal customer, you can benefit from the multi-vehicle discount or the multiple policy discount. Other auto insurance discounts include:
What Types Of Car Insurance Discounts Should I Look For
Ask about car insurance discounts when youre getting car insurance quotes. You can typically knock down your car insurance costs with discounts for:
- Buying multiple policies, such as auto and home insurance
- Insuring more than one vehicle
- Being a good driver
- If you have a student on the policy, a discount if theyre a good student
- If you have a college student on the policy, a discount if theyre away at school without a car
- Taking a defensive driving class if youre age 55 or older
- Paying your full car insurance cost up-front
Buy Auto Insurance On The Weekend: The Bottom Line
Auto insurance rates on the weekend are the same as rates during the week. The internet has made it very convenient for auto insurance shoppers to find the right policy on the weekend if they buy a new car or they shift auto insurance policy options for better services.
Before you buy auto insurance on the weekend, enter your ZIP in our FREE quote tool to compare multiple companies in your area. Then you dont have to look for auto insurance companies open on Saturdays or Sundays.
Car Insurance Coverage Based On Your Driving Habits
Do you commute every day, or save your driving for weekends? Are you running errands or carpooling?
Good driving record?
Intact Insurance rewards good drivers with our Responsible Driver Guarantee®*, which means your first at-fault accident is on us.
We treat it like it never happened:
- No increase on your auto insurance premium as a direct result of your first at-fault accident
- Your good driving record remains unchanged for as long as you hold an Intact Insurance auto insurance policy
In case of a second at-fault accident
Intact Insurance will treat your second accident as if it was your first:
- Your driving record will be adjusted to reflect one unprotected at-fault accident
*Certain conditions, limitations and exclusions may apply.
Standard Operating Hours For Major Insurance Companies
The standard operating hours of major insurance companies vary based on their location. If you usually work with an agent who only has weekday office hours but find the perfect car over the weekend, there is typically a hotline you can call that will allow you to add a vehicle to your policy. You can then contact your agent on Monday to follow up and, if needed, make any changes or updates to your policy.
The key to getting car insurance over the weekend is research and preparation. Do a quick internet search to find the hours of your agency or provider and learn how they handle adding or purchasing insurance over the weekend. Have this information with you when you go car shopping.
Check this out if you need additional information, resources, or guidance on car insurance.
Can I Switch Car Insurance While I Have An Open Claim
Switching car insurance companies may be possible while you have an open insurance claim, but most insurance providers advise against it. Your current insurer will resolve the existing claim along with any necessary payouts.
However, if the claim is still open when you move to a new policy, your new carrier will not have the payout information to correctly determine your risk level. This can result in an increase at your renewal or a retroactive amount due to make up for the time period when your claim was not able to be rated correctly on your policy. Every company has its own underwriting guidelines and may not accept new business with open claims.
Nationwide Car Insurance Discounts
You can get more affordable car insurance rates on Nationwide coverage with our car insurance discounts, such as:
- Multiple policies discount When you carry multiple types of insurance policies from Nationwide , you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
- Good student discount Cheap car insurance for students is possible with Nationwide.
- SmartRide® discount SmartRide is a tracking tool we offer to reward safe driving. Heres where rubber truly meets the road plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
- Paperless discount You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.
Get An Insurance Quote Online
Nationwide’s auto insurance quote tool is your fastest path to a quick car insurance quote. Enter your ZIP Code and click Get a Quote. Then answer some questions about yourself, the car you want to insure and the people who will be driving the vehicle.
You can also get fast car insurance quotes by calling . And if you prefer working with a local agent, use our agent locator to find an agent near you.
Car Insurance Places Open On Saturday Or Sunday
Car insurance places open on Saturday or Sunday
If youre a busy working adult, you may be all too familiar with businesses that arent open when you need them in the evenings and on weekends. Fortunately, there are many auto insurance companies that are available on Saturdays and Sundays with limited hours to help you. If you need to manage your policy or make a claim, you may be able to find auto insurance places that are open on Saturdays.
Since its important to compare insurance providers before committing to a policy, weve got the best auto insurance companies in areas such as reputation, coverage options, affordability, customer reviews, discounts and availability.
Keep reading to find out how auto insurance companies operate on weekends and find a provider that supports your busy schedule. You can also use or call the quotation tool below 518-0148 to get free quotes from businesses near you.
In this article
Education Level 67% Say Its A Fail
Many auto insurance companies give education-related discounts, rewarding drivers who have achieved a bachelors or masters degree or Ph.D. But 67% of survey respondents dont agree that education level should be a factor in car insurance rates.
Still, 21% supported the idea. Insurers might include education level in rates when theyve drawn a connection between an advanced degree and lower claims.
Committed To Serving You
THANK YOU Willow Point Waypoint. You guys rock with your adapted procedures!! I was so grateful to be able to get my insurance done through the locked door in such a friendly and well thought out way. Stay healthy and keep up the great work.
Huge rave to all the staff at Waypoint Insurance. Through all that is going on with the coronavirus and social distancing these women were professional and above all else, doing their job safely.
I just had the best experience buying my car insurance on the phone and then picking up the papers and decal at the Ladysmith Waypoint office. Please pass on my thanks to everyone involved in such a well organized operation. Take care of yourselves.
I just had the most pleasant interaction with Waypoint Courtenay! I called ahead, told them what I needed, they had the papers ready 20 minutes later, they popped out the door and I signedtransaction done. Thank you Waypoint!!!
ColeenSTART A QUOTE
Can Independent Agents Set Their Own Business Hours
If you need a car insurance company with the flexibility of open business hours on weekends, you may be able to take advantage of working with an insurance agent. They operate differently from major brands and may have more availability.
Consult your local office for opening times on Saturday and Sunday. Agents set their own hours, which is usually more convenient for busy customers. Most will have at least one day on the weekend when they are open to help customers. You can generally schedule an appointment for Saturday, Sunday or outside office hours.
What You Can Do On A Car Lot On Sundays
If your local dealership is open on Sundays and you find a vehicle you want, you can at least get started on the transaction; its likely you could even be approved for financing and get to drive a new vehicle home that day with temporary tags issued by the dealership. If youve prearranged financing with your bank or credit union and arent reliant on the dealerships financing sources, that gives you even more leverage. If the dealership cant pull off the transaction for any reason, you could put a deposit on the vehicle you want so it will be pulled from the dealerships inventory. You may still have to come back to the dealership on Monday to finalize the deal, but the worst part of the transaction will already be done.
If a dealership isnt open, chances are good you could still go to the lot and walk around in search of an appealing vehicle. That due diligence, plus a website tour of the dealerships inventory, will give you an inside track on what the dealer has to offer and how it looks in person before returning during regular business hours to make a purchase.
Carfax Used Car Listings
#5 Can You Drive A Car Without Insurance If You Just Bought It
No, it is never okay to drive a car without insurance. While your company may offer exceptions in some unusual auto insurance situations, this isnt one of them.
You are responsible for insuring your vehicle from the moment of purchase.
If you are in an accident as you leave the car lot, you will still be responsible for any damages. If you get pulled over as you leave the car lot, you will be ticketed for driving without insurance if you did not purchase a policy.
Consider Your Coverage Options
Too little insurance can leave you financially exposed, but too much coverage may mean you are paying too much. If you think you are overspending, consider switching car insurance.
Ask yourself: do I drive an older vehicle? If you do, you may not need collision and comprehensive insurance, or you may decide to choose a higher deductible to save money, says insurance expert Michelle Demora.
Ultimately, the more coverage you add to your car insurance policy, the more it will cost. If you are wondering how to switch auto insurance, understanding the different types of car insurance coverage and which ones you need is an important first step.
What Can Prevent Drivers From Getting Car Insurance Immediately
In some circumstances, it’s possible that an insurance company won’t be able to provide you with insurance coverage right away. This might be because the company is missing key information about you that it needs to set your rates.
For example, car insurance companies consider where you live when they are setting rates. If you recently moved and the insurer can’t verify your address, it may not sell you a policy right away.
There could also be something about your current situation that means the insurance company needs more time to set your rate or approve your coverage. You may be looking for coverage for a rare or high-value car that isn’t in the insurance company’s price database. Or a checkered driving history may mean an insurance company doesn’t offer you a quote at all.
Reasons you may not receive an insurance quote immediately
- You’re missing any of the information required to apply for insurance, even if it’s listed as “optional” in the application
- You recently moved
- You have multiple recent at-fault accidents or driving violations
- You own a rare or specialty car
If an insurance company isn’t able to sell you insurance online immediately, try calling the company to determine what’s causing the issue and to solve the problem. If you’re not able to take care of it quickly, you may just need to move on to another insurance company.
Can I Get Car Insurance Before I Buy A Car
According to , you can add a car to your existing insurance policy before you buy it. If you’re more comfortable knowing you have the insurance coverage, contact your insurance company on Friday before going to the dealership to sign the papers. Make sure you have all the vehicle information, including:
- Make and model of the vehicle
- Purchase date
Add New Drivers To An Existing Policy
Adding secondary drivers to an existing car insurance policy in Alberta can ultimately save you and your new drivers quite a bit of money. Not only will your new drivers benefit from your existing coverage, but they can potentially be paying less in premiums than if they sought out solo insurance options.
Survey: 48% Of Consumers Think Car Insurance Rates Are Fairexcept For The Particulars
Car insurance rates have been steadily rising for decades, except for a sharp dip in 2020, when auto insurance companies offered refunds and credits in order to provide financial relief for customers dealing with pandemic-related income drops and to account for the deep reduction in driving.
Over the years, spiking medical costs and increasingly expensive car repairs have conspired to continually push up what we pay for car insurance. But for the most part, consumers think that auto insurance rates are fair or have no strong feelings about them. A new survey by YouGov for Forbes Advisor found that 48% of adult Americans think that car insurance rates are fair or very fair. Another 18% are on the fence, judging rates to be neither fair or unfair.
Of the 31% who judge car insurance rates to be unfair or very unfair, half nonetheless took no action in the last 12 months to seek a solution. About one-third say they at least got an insurance quote from a different company, and 11% switched companies. A notable portion say they reduced their overall auto insurance coverage in the last 12 months.
While almost half of Americans think car insurance rates are fair, a closer look under the hood reveals that fairness quickly drops when people are asked about specific pricing factors that are commonly used in setting car insurance rates.
Why Should You Get A Quote Before You Buy Auto Insurance
Prices can vary significantly from insurance company to insurance company, which means it is essential to get multiple quotes to ensure you are getting the lowest rate.
For example, the chart below compares the rates for the largest insurance companies in Maryland with the average annual rate for drivers in the state:
Maryland Average Annual Auto Insurance Rates by Company
The rates in this chart reflect several factors, one of which is the type of car you drive.
The year, make, and model of a vehicle can dramatically impact your insurance rates. If you are getting an auto loan, you need to purchase collision and comprehensive insurance, which increases your rates.
Banks and finance companies require their customers to get these coverages to protect their assets.
Because of these factors, it is important to get a quote for a policy before purchasing a vehicle, if possible.
If you currently have auto insurance, contact your agent or your insurance company to determine what it will cost to add your new vehicle to your policy.
If you are purchasing a policy for the first time, you may want to get a sample quote before buying a car to get an idea of what your new policy will cost.