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: How-to

Browser back button
When navigating within the Insurance Rate Calculator (IRC) page, clicking the Back button on your internet browser will not take you to your previous page, but rather to the beginning of the Calculator (where you selected your vehicle type).

Check your vehicle registration
If you are having difficulty in correctly identifying your vehicle type, please check the description on your vehicle registration. The information you enter should be the same as what's recorded on your registration papers. Keep those papers handy‒ they can be a big help in calculating your insurance estimate.

If you are having difficulty correctly identifying the vehicle type for a vehicle you do not currently have registered, please contact an Autopac agent for an estimate.

Navigation buttons

Start New Estimate
This link allows you to calculate a new estimate on a different vehicle type. For example, if you have just finished calculating an estimate on your 1991 Honda Accord, and wish to calculate an estimate on your 1985 motor home, choose Start New Estimate. You can begin your new calculation right away.

Change Vehicle Information
This link allows you to change vehicle details, such as year, make or model, within your existing estimate. This means you won't have to select your vehicle type again before calculating.

Change Vehicle Use
This link allows you to change where you live or how you use your vehicle, within your existing estimate. For example, if you want to see the difference in cost between pleasure and all-purpose insurance for your vehicle, this link helps you compare the difference within the same estimate.

Change Insurance
This link allows you to change your Autopac deductible, discount level or payment type within your existing estimate. For example, if you want to see the cost difference between monthly and quarterly payments on your vehicle choose this option.

Error messages
You may receive an error message while completing your estimate in the IRC. For this reason, it's important to have your vehicle registration handy while completing your insurance estimate.

Error example

1. "An estimate cannot be completed with the specified vehicle information."

This indicates that the IRC is not recognizing the vehicle information you entered. This can happen for two reasons:

• The data you have entered is incorrect. Please check your registration.
• You have entered data on a brand new vehicle, which the IRC is unable to recognize. This is because it can take some time for external parties to supply us with the new vehicle information we need to update the IRC. Please contact an Autopac agent for assistance.

2. "Postal code does not map to any territory."

This indicates that the postal code you have entered cannot be associated with any of Manitoba Public Insurance's four rating territories. Please confirm the postal code you have entered is correct.