ABCs OF INSURANCE
Principles of Auto Insurance
How Rates are Determined
Vehicle Type
Vehicle Body Styles
   Passenger Vehicles
   Trucks
   Motorcycles
   Trailers
   Off-Road Vehicles
   Mopeds and Mobility
   Miscellaneous
Vehicle Use
   Vehicle Use Definitions
Where You Live
Your Driving Record
   Driver Safety Rating
   Major Offences
   Buying Back a Claim
Protecting Your Privacy

ABC's of Insurance > How Rates are Determined

Your Driving Record
Drivers who maintain a safe driving record for a number of years get a discount on their Autopac premiums.

Premium discounts depend on your Driver Safety Rating.

Who can qualify for a premium discount

People registering passenger vehicles and light trucks can qualify.

You can also qualify as the sole owner of a corporation, if you register the vehicle in your name rather than the corporation’s name. To do this, you’ll need a written agreement giving you “right of possession” of the car or light truck.

What insurance uses qualify:

Pleasure passenger vehicle
Pleasure truck
Farm all purpose passenger vehicle
Artisan truck up to and including 16,330 kg
farming all purpose truck up to and including 4,540 kg or a body style of chassis mounted camper, crew cab, crew cab service truck, extended cab, extended cab service truck, light delivery, light pickup, panel van, service truck, sport utility vehicle
fishing all purpose truck up to and including 4,540 kg or a body style of chassis mounted camper, crew cab, crew cab service truck, extended cab, extended cab service truck, light delivery, light pickup, panel van, service truck, sport utility vehicle
Common carrier passenger vehicle within 161 km in Manitoba
Common carrier truck within a city or municipality
All purpose passenger vehicle
Farm passenger vehicle
common carrier passenger vehicle within 161 km in Manitoba
All purpose truck
All purpose motorcycle
All moped uses, except u-drive mopeds
all purpose mobility vehicle
All motorhome uses except u-drive motorhomes
pleasure motorcycle

ABCs of Insurance | Basic Autopac | Optional Autopac | Insuring a Vehicle | New to or Leaving Manitoba |
Buying or Selling
| Planning a Trip | Autopac Fleet Program | FAQ

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