We’re located in St. Boniface—right in the Dominion Centre. Whether you’re driving around Old St. Boniface to look at la Cathédrale when you realize that your driver’s licence is expiring in a few days, or you work in the area and you need insurance for your work vehicle, the team at R.A. Hughes can help.
Car insurance in Winnipeg is provided by Manitoba Public Insurance; with standardized insurance rates, you might think it’s impossible to get a great deal on your car insurance.
We’ve got great news—the insurance brokers at R.A. Hughes Agencies can help you get a better deal on your car insurance—whether it’s through increasing your deductible, taking advantage of lay-up coverage in the winter, or giving you tips on improving your Driver Safety Rating (DSR).
We offer all-purpose, pleasure, common carrier, and vehicle for hire insurance. Not sure which one to choose? Our brokers will help you choose!
Want to find out how to lower your car insurance premium in Winnipeg? Looking to purchase car insurance for your new vehicle? The team at R.A. Hughes has you covered—book an appointment with us today!
All-perils coverage protects your vehicle from accidental loss or damage, including collision, vandalism, theft, and more. When loss occurs, Manitoba Public Insurance will pay to repair or replace damage when possible—it may also pay out for the replacement value of your vehicle if it cannot be repaired.
Each Autopac policy comes with a deductible—this is an amount that you must pay out of pocket for any claim. Your deductible can be adjusted, as we’ll discuss in a later section.
Additionally, your Basic All Perils coverage offers Loss of Use coverage. With this coverage, Manitoba Public Insurance will help pay for costs incurred while your vehicle is unavailable—these costs might include renting a vehicle or hiring Ubers, taxis, or other passenger vehicles for hire.
When you get into a car accident, you can be held legally responsible for damage and injuries.
Third-party liability insurance covers you for claims arising from accidents that occur as a result of someone driving a vehicle you’ve insured. Third-party liability insurance covers you for up to $500,000 against:
Responsibility for collisions determines how much of a deductible you will pay when another vehicle is damaged, as well as how much your insurance will cost in the future. Being responsible for a collision is commonly called being “at fault”.
The Personal Injury Protection Plan (PIPP) covers all Manitobans injured in automobile accidents in Canada or the United States—even if they don’t own a vehicle nor pay for Autopac insurance.
This coverage gives Manitoban residents (as well as visitors to Manitoba) coverage for medical expenses and various other coverages to help pay for food, care, and other costs associated with caring for an injured person. You can learn more about PIPP on the Manitoba Public Insurance Personal Injury Protection Plan page.
There are different options for deductibles on any Autopac insurance plan—the higher your deductible, the lower your auto insurance costs will be—but the more you’ll have to pay out of pocket for at-fault car accidents. You can save money by choosing a higher deductible if you never get into an accident or have your vehicle stolen; on the other hand, if something does happen to your vehicle, you may end up paying more.
The deductible options available are:
The $200 Plus deductible option that eliminates the deductible for glass repair and vandalism. We recommend looking at MPI’s deductible chart to learn more.
New vehicle protection helps to cover you if your new vehicle is damaged—it insures you for the purchase price of your vehicle, its accessories, the cost of pre-delivery inspection, sales tax, and an allowance for inflation for two years. This means that you’ll be reimbursed for the total cost of the vehicle, rather than its actual value after depreciation.
This is a valuable form of coverage for new vehicles; without it, you might get paid out less than the value of the vehicle, leaving you with a substantial portion of your car loan to pay off.
Leased vehicle protection protects any down payment you made on the leased vehicle to reduce your monthly premiums. For example, if you were to put $10,000 down to lower lease payments on a leased vehicle, leased vehicle protection would insure you for that $10,000.
Liability claims can be very expensive—especially if you’re driving your vehicle outside of Manitoba. You can increase your liability coverage to $1, $2, $5, $7, or $10 million for added protection.
When your vehicle is essential to your livelihood, you can increase your loss of use coverage. This increase provides additional daily coverage, above and beyond the loss of use coverage offered under your Basic All Perils Coverage.
Most auto insurance coverage in Manitoba is offered through Autopac, but things work a bit differently for commercial auto insurance policies. For customers with a fleet of vehicles that need to be insured, policies can be purchased through MPI’s Special Risk Extension (SRE) program. You can get discounts and other benefits by insuring your vehicles through this program.
There are several options to pay for your annual insurance through MPI—making a full payment is usually the best option, as you won’t be charged interest or service charges. You can also follow a four-payment plan or a 12-payment plan.
Your insurance rate—known as your premium—will depend on the type of vehicle you drive, the level of coverage you’ve purchased, and your driving history.
Manitoba Public Insurance (MPI) is responsible for providing auto insurance throughout the Province of Manitoba—it is a Crown Corporation. One of its insurance products is Autopac. These are the policies that offer collision coverage, accident benefits, and other coverages to most Manitobans who insure their vehicles. Some vehicles, like fleets and passenger vehicles for hire, are covered by Special Risk Extension (SRE) instead of Autopac.
We can provide you with Autopac coverage and get you in touch with the people who take care of commercial clients through SRE.
We offer a range of coverage options, including liability, collision, and uninsured motorist coverage to protect you on the road in Winnipeg.
Contact our team at R.A. Hughes Agencies to receive a customized car insurance quote tailored to your needs.
Our experienced agents, competitive rates, and exceptional customer service make us the top choice for car insurance in Winnipeg.
Yes, we offer customizable car insurance solutions to fit your specific needs and budget.
