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1. 1 way or 2 way: 1way means only 3ed party liability. if your responsible, yourself car is not insured

2. Deductable250/250, or 500/250, or 250/100)

collision deduct: mostly is 250 or 500, means if your responsible for a collision, you need to pay this amount my yourself

Vendilision and fire deduct: mostly is 100, 250, means if your windows is broken by someone.your car is scratched by someone

Hit and run and stolen: mostly must no deductable

sometime, you can get higher or lower deductable, normaly change the collision deductable the price is affected more than change the vendilision deductable.

3. replacement option:

mostly 100-200 more added on the original price.

mostly give your 2-4 years

every year increase. Desjardins give 4 year around total 800, TD give 5 year from 0%,10%,20%,30%, 40%

This option means if you totally lost/crash the car, insurance will pay you the new car, without this option, insurance only pay you the current market price, means the 2nd hand market average car price.

4. car rental option if collision and rent car insurance option

mostly this 2 options comes together as 1 option, but some company comes with 2 options.

car rental option means if your car is under fixing in the garage, you can rent a car for temporary use, the cost mostly is $1500 total, some company only give $1200. Most company have the restriction of $50 a day. but some no restriction. only total mount restriction

car rental insurance options means, if you rent another car, not matter for what reason, the car insurance is covered. You don't need to purchase the extra insuance from the car rental company, which is expensive, from $15-25 a day.

5. quote with 2 car together, even better quote with home insurance together.

price : car1(new) + car2(old) < car1(new)only

6. normally 15,000 life insurance included

7. mostly quote for 1million civial liability