FR Second Header Help & Support Main navigation Get a Quote Auto Quote Home Quote Bundle Quote Call 1-877-236-0924 FR Second Header Help & Support Help & Support - Auto Insurance Search Auto Insurance FAQAuto InsuranceRates Does the policy pay twice the amount insured if it's a joint policy? A joint policy means the policy covers both policyholders; it doesn't double the payment amount.Did that answer your question?YesNo What factors affect the cost of my auto insurance? Insurers base your premiums on how likely it is you'll be in an accident. They use a lot of factors to get a realistic and fair estimate, including:How long you and other drivers listed in the policy have been drivingHow long each of the drivers has been continuously insuredInsurance claim historyWhether the vehicle is used for work or pleasure, and whether it's driven to work or schoolWhere you driveHow far you driveThey also consider the make and model of the car you drive.And yes, in some parts of Canada, your age, gender and marital status make a difference too.Did that answer your question?YesNo 1 2 More FAQs Anti-theftConvictionsCoverageDeductiblesLegalLending a VehicleRatesRental CarsUninsured Drivers