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Private Auto Insurance

Basic Auto Plan

Basic auto policies through AMC Insurance meet British Columbia insurance requirements.

ICBC Optional Insurance

ICBC optional products allow you to choose from various levels of protection for your auto needs.

Private Insurance

Non-ICBC optional products are also available to meet your needs and help you find premium rates you can afford.

Comprehensive Coverage

Add comprehensive coverage to any policy to help protect your vehicle from risks beyond on-road collisions.

Find Affordable ICBC Insurance Rates with Our Private Auto Insurance Experts

On average, 960 automobile crashes occur in BC daily, which is why making sure that you have the proper auto insurance coverage for you and your family is a must. Our experienced agents will find you the best insurance policies and help determine if optional private insurance is right for you.

Policy options include:

Basic Collision

Collision coverage provides you with financial coverage for your vehicle’s repair and replacement costs, even if the crash that caused the damage was your fault. Collision coverage may also cover towing and vehicle storage costs, if necessary.

The premiums or deductibles you pay with collision coverage depend heavily on your driver history. If you have a history of at-fault collisions, premiums and the deductibles will typically be higher, whereas they will be notably lower if you have an exemplary driver history.

Comprehensive Coverage/Specific Perils

You can choose to cover your vehicle for other risks beyond on-road collisions with comprehensive coverage or specified perils. Comprehensive covers a wider range of perils but costs more. Specified peril coverage focuses on the most common perils and causes of vehicle damage and tends to cost less. Coverage options include:

  • Theft (comprehensive and specified perils)
  • Vandalism (comprehensive)
  • Fire, earthquakes, and explosions (comprehensive and specified perils)
  • Falling or flying objects – for example, rocks or gravel that hit your windshield (comprehensive)
  • Damage if you hit a domestic or wild animal (comprehensive)
  • Weather conditions that include lightning, windstorms, hail, and rising waters (comprehensive and specified perils)

You can also add on any of the following, depending on your specific needs:

  • Extended Liability
  • Excess Underinsured Motorist
  • Limited Depreciation
  • Replacement Cost
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Take Advantage of the Benefits of Private Auto Policies with AMC Insurance

Private auto insurance offers the right protection to meet your specific needs. In addition to the popular add-ons, our policies can also include roadside assistance and other VIP perks. With our policies, you can be sure you’ll never be left in a bad situation if your vehicle breaks down.

Choose AMC Insurance Brokers for Your Private Auto Insurance

AMC’s insurance brokers are committed to helping you find the best, most comprehensive private auto coverage. We compare rates from several companies to find the best rates for your unique situation. With AMC, you get policies that are:

Affordable

Our agents have an extensive professional network that gives us access to the best rates on the market. Trust our team to find you a policy that fits within your budget and meets your requirements.

High Quality

We’re committed to finding you the absolute best in private auto insurance. We work hard to save you money without sacrificing the quality of your coverage.

Valuable

At AMC, we understand how much your assets mean to you. Our policies protect you financially and give you the peace of mind you deserve.

FAQS

Do I Need a Private Auto Insurance Policy?

A basic auto plan is mandatory for all drivers in British Columbia. It helps ensure that everyone who owns and drives a motor vehicle is protected with the basic level of coverage.

What Is Limited Depreciation?

Available to all drivers, limited depreciation covers you both if your new vehicle needs repairs or has to be replaced. If your car is paid off, the policy will provide you with either a new vehicle of the same year or a payout of the original purchase price/suggested retail price at the time of purchase – whichever is less. If your vehicle can be repaired, new parts of similar kind and quality to your vehicle’s original parts will be used.

Do I Need Excess Underinsured Motorist?

While excess underinsured motorist coverage isn’t required, it is recommended. Basic underinsured motorist coverage protects you if you’re involved in a crash by another motorist, and they cannot cover the entirety of the claims you make against them. With excess underinsured motorist coverage, the limit to which you’re covered is higher.

What Is Replacement Cost Coverage?

Replacement cost is primarily for new vehicle owners. If your vehicle is damaged or written off, replacement coverage typically offers the following:

  • New parts from the original manufacturer (if possible) if your vehicle can be repaired after a crash
  • Protection from depreciation and inflation if your vehicle has to be written off
  • A choice to replace your vehicle or get a cash payout

What Discounts Do You Offer?

AMC Insurance works hard to find our clients the most affordable premium rates in BC. We offer preferred driver discounts, multi-vehicle discounts, multi-policy discounts, and discounts for anti-theft devices and fuel-efficient vehicles, among others.

Ready to Protect Your Assets with Affordable Insurance Coverage?

Get started today! Our agents are waiting to help you explore your insurance coverage options.

+1-866-350-8555