HOW TO USE THE IRC
   Navigation Buttons
   Error Messages
FREQUENTLY ASKED QUESTIONS
FACTORS WHICH DETERMINE PREMIUMS
   Type of Vehicle
   Where You Live
   The Vehicle's Use
   Your Driving Record
VEHICLE INFORMATION
   Year, Make, Model,
   Body Style

VEHICLE USE INFORMATION
   Where You Live
   Road vs. Lay-up Coverage
   Registration Class
   Gross Vehicle Weight
   Declared Value
   Cubic Centimetres
      (for motorcycles)
INSURANCE OPTIONS
   Premium Discounts
   Deductibles
   Motorcycle Deductible
   Third-Party Liability
   Auto Loss of Use
   Excess Value Coverage
   Lay-Up Coverage
   New Car Protection
   Leased Car Protection
   Rental Car Insurance
   Payment Options

Insurance Rate Calculator: Questions & answers

Q. Who should use the Insurance Rate Calculator?
A. The Insurance Rate Calculator is a useful resource for several audiences:

·         new vehicle buyers looking to compare insurance rates between different vehicles they are considering purchasing

·         dealership employees who want to discuss insurance premium information as a selling feature of the vehicle

·         Manitoba Public Insurance customers who want to calculate their Autopac rates when new rates are approved by the Public Utilities Board

·         new Manitobans who are looking for information on vehicle insurance rates

Q. After using the Insurance Rate Calculator, I determined how much my vehicle insurance would cost me this year. Can I now send my Autopac agent a cheque with my printout?
A. No. You're still required to purchase your insurance in person at an Autopac agent. The Insurance Rate Calculator is a tool that gives you an estimate of a rate, based upon the values you selected or entered. Therefore, if the selected values do not match the values provided by your vehicle's serial number, the estimate would be incorrect. Other factors could also impact your premium, such as the Prime Interest Rate and optional products required.

Q. After I calculate my insurance estimate, will I be able to purchase my insurance online?
A. No. Manitoba Public Insurance has over 300 Autopac agents who provide valuable in-person assistance to our customers. We wish to continue this beneficial and personal "front-line" type of service.

Q. What if I disagree with the estimate provided to me by the Insurance Rate Calculator?
A. Please contact an Autopac agent for further information.

Q. How long will it take for me to complete my estimate?
A. Calculating your estimate will take approximately 15 minutes.

Q. I don't live in Manitoba. Can I still calculate an insurance estimate on my vehicle?
A. Yes you can. However, the Insurance Rate Calculator will automatically calculate your insurance estimate based on the highest territory rates in Winnipeg.

Q. We have two vehicles at home. Can I calculate estimates on both using the Insurance Rate Calculator?
A. Yes. You may calculate rates for as many vehicles and vehicle types as you like. You simply need to start a new estimate when you want to calculate the second vehicle.

Q. I'm considering buying a brand new vehicle and am interested in knowing how much insurance I will have to pay.  But every time I enter the vehicle information I get an error message.
A. We have to rely on vehicle manufacturers to provide us with updates on new vehicle models and discontinued models. Because of this, our data may not be 100 per cent current for the newest vehicle models.  If you have double-checked your documentation, and all information that you have entered is accurate, please contact an Autopac agent for assistance.

 

How to Use the IRC > Frequently Asked Questions > Rating Factors >
Vehicle Information
> Vehicle Use Information > Insurance Options

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