Auto Insurance Brokers in Ontario

In Ontario, car insurance is a must regardless of your vehicle’s ownership status. The standard Ontario auto insurance policy can be daunting to understand but our experienced team is here to help. Whether you’re a newly licensed driver or a seasoned pro, we’ll make sure our Ontario car insurance brokers find you get the right coverage at the best price.

To find the ideal coverage for you and your vehicle, it is beneficial to consult a car insurance broker. They can help you navigate options and receive the best deals.

Obtaining auto insurance quotes in Ontario is now easier than ever. You can get your free car insurance quotes completely online for the most affordable coverage tailored to your needs. 

Protecting your peace of mind… that’s the Roughley Advantage.

Required Car Insurance Coverage in Ontario

Ontario requires drivers to have a minimum level of car insurance coverage, including:

• Liability for bodily injury
• Liability for property damage
• Direct compensation
• Insurance for uninsured motorists
• Accident benefits

Direct Compensation

When another driver is responsible for an accident, Direct Compensation – Property Damage (DCPD) coverage helps pay for vehicle repairs without a deductible.

This coverage also applies to items in the vehicle and rental car expenses.

Coverage for Uninsured Vehicles

In the event of an accident with an uninsured driver, Uninsured Automobile Coverage provides protection, enabling you to recover damages as if the other driver had insurance. This also applies to hit-and-run incidents.

Accident Benefits in Ontario

The Ontario government includes basic medical benefits to protect drivers in the event of injury. However, it is advisable to consider purchasing additional coverage based on individual health plans and family needs. The standard accident benefits limits may not be sufficient, especially for medical, rehabilitation, and attendant care expenses.

It is estimated that 10-15% of Ontario drivers do not carry auto insurance, which is why it is crucial to have protection against uninsured drivers.

Optional/Enhanced auto insurance coverage includes

Collision Car Insurance Coverage Option

Collision coverage, though optional*, protects drivers in at-fault accidents and covers damages to their own vehicles. This coverage also applies to hit-and-run and parking lot accidents. The standard deductible for collision coverage is $1000, but it can be adjusted depending on individual needs.

*Most lenders will require collision coverage if leasing or financing your vehicle.

Comprehensive Auto Insurance Coverage Option

Comprehensive coverage can be added to a car insurance policy for an additional premium. This coverage is subject to a deductible and protects drivers from damages caused by fire, theft, vandalism, falling objects, and collisions with animals. Comprehensive coverage also covers glass repairs.

Additional optional endorsements include Loss of Use, Liability for Damage to Non-Owned Vehicles, Claims Forgiveness Protection, and Limited Waiver of Depreciation. These coverages help further protect drivers in situations such as renting a vehicle, preserving a good driving record, and maintaining the value of a new vehicle.

Keep in mind that some insurance companies offer discounts for shorter commutes or no commute at all.

Upgraded Coverage Limits

Upgrade your coverage limits for liability and/or accident benefits, such as medical, rehabilitation, attendant care, income replacement, death, and funeral expenses. Though some basic coverages are provided in the standard auto policy, these coverages can often prove insufficient. Accident benefits can be a tricky area to navigate but your broker is your best resource.

Trust Roughley for all your insurance needs!

At our insurance brokerage, we understand that the decision to trust someone with your auto insurance needs is significant. Our commitment and dedication to providing unparalleled service sets us apart as a trusted partner in safeguarding what matters most to you. We take pride in going above and beyond to tailor coverage plans that suit your unique requirements, ensuring you and your loved ones are well-protected on the road and at home.

Clients trust us because we prioritize transparency, honesty, and integrity in every interaction. Our team of experienced professionals is dedicated to guiding you through the complexities of auto insurance, making the process seamless and understandable. We believe in building lasting relationships by consistently delivering on our promises and exceeding expectations.

When you choose us as your insurance partner, you are choosing a team that is committed to your peace of mind and financial security. Discover the difference between working with a brokerage that values your trust, prioritizes your protection and cares.

Contact us today, and let us embark on a journey of safeguarding your driving experience together. Your peace of mind is just a click or call away!

What factors influence car insurance costs?

Several factors can influence the cost of car insurance, such as:

• Age and experience of the driver
• Driving record (including accidents and traffic violations)
• Location and neighborhood
• Make, model, and age of the vehicle
• Usage of the vehicle (daily commute, business, or leisure)
• The presence of safety features or anti-theft devices in the car

How can I get a discount on my auto insurance premium?

To get discounts on car insurance, consider the following:

• Bundling your car insurance with other types of insurance (like home or renters insurance)
• Maintaining a good driving record
• Taking a defensive driving course
• Installing safety or anti-theft devices in your car
• Choosing a higher deductible

What’s the difference between Comprehensive vs. Collision coverage?

Comprehensive coverage protects any damages to your vehicle that are not caused by a collision, such as:

• Theft
• Vandalism
• Natural disasters
• Fire
• Damage from animals

Collision coverage specifically covers damage to your vehicle when it is involved in a collision with another vehicle or object.

Do you determine the value of a totalled car?

Insurance companies typically use one of the following methods to determine the value of a totalled car:

• Actual Cash Value (ACV): The current market value of the vehicle, taking into account its age, mileage, and condition
• Replacement Cost: The cost to replace the vehicle with a new one of the same make, model, and equipment
• Agreed Value: A value agreed upon by the policyholder and the insurer at the time the policy is purchased

What is Ontario’s Minimum Car Insurance Requirements?

In Ontario, drivers must have the following minimum car insurance coverages:

• Third-Party Liability: Covers damages resulting from a driver’s negligence
• Accident Benefits: Provides medical and rehabilitation benefits for injured individuals
• Direct Compensation-Property Damage: Covers property damage and allows the policyholder to receive compensation from their own insurance provider
• Uninsured Automobile Coverage: Protects the policyholder from drivers who lack insurance or who commit a hit-and-run

How do I file a car Insurance claim?

The process of filing a car insurance claim typically involves the following steps:

1. Informing the police: Report any accidents to the police, especially if there are injuries or severe property damage.
2. Contacting your insurance company: Contact your insurance provider as soon as possible to inform them of the accident.
3. Gathering information: Collect relevant information such as driver and witness contact information, insurance information, and photos of the scene.
4. Submitting your claim: Work with your insurance representative to fill out all required claim forms and submit appropriate documentation.
5. Arranging repairs: Follow your insurance company’s process for coordinating repairs for your damaged vehicle.
6. Receiving a settlement: Once the claim is processed, you may receive a settlement to cover either repairs or the total vehicle’s value (if applicable).

How can get a lower car insurance rate in Ontario?

Securing a lower car insurance rate in Ontario involves a combination of factors and proactive steps. Here are some tips to help you reduce your car insurance costs:

1. Talk to your Broker: Your broker is able to pull quotes from a wide range of carriers to find you the best coverage at the best price.
2. Bundle Policies: Consider bundling your auto insurance with other policies, such as home or tenant insurance, with the same provider. Many insurers offer discounts for bundling.
3. Maintain a Good Driving Record: Safe driving habits contribute significantly to lower premiums. Avoid traffic violations and accidents to maintain a clean driving record, as insurers often reward good drivers with lower rates.
4. Increase Deductibles: A higher deductible (the amount you pay out of pocket before insurance kicks in) can lower your premium. However, ensure that you can comfortably afford the chosen deductible in case of a claim.
5. Drive Less: Some insurers offer discounts for low-mileage drivers. If you can reduce your annual mileage or qualify for usage-based insurance programs, you may be eligible for lower rates.
6. Improve Your Credit Score: In some cases, a higher credit score can lead to lower insurance premiums.

How much is the premium for new drivers in Ontario?

The premium for new drivers in Ontario can vary significantly based on several factors. Insurance companies consider various elements when determining the cost of premiums, and these factors can differ among insurers. Some of the key factors that influence the premium for new drivers include:

• Age: Young and new drivers often face higher premiums due to the perception of higher risk associated with less driving experience.
• Driving Experience: The amount of time a driver has held a valid license can impact the premium. New drivers with limited experience may be viewed as higher risk.
• Type of Vehicle: The make and model of the vehicle you drive can affect insurance premiums. High-performance or luxury vehicles may have higher premiums.
• Location: Where you live in Ontario can also influence your premium. Urban areas may have higher premiums compared to rural areas.
• Coverage Amount: The level of coverage you choose will impact the cost. More extensive coverage will typically result in higher premiums.
• Insurance History: A new driver without a history of prior insurance coverage may face higher premiums compared to someone with a proven record of responsible driving and insurance history.
• Driving Record: Any traffic violations or accidents on your driving record can lead to increased premiums. Maintaining a clean record is essential for keeping costs down.

It’s important to note that premiums can vary between insurance providers, and each company may have its criteria for determining rates. At Roughley, we get quotes from multiple insurers to find the most competitive rate.

Can I get car insurance in Ontario if I have a terrible driving record?

Yes, you can still obtain car insurance in Ontario even if you have a poor driving record. However, it’s important to note that having a history of traffic violations, accidents, or other negative incidents on your driving record may significantly impact the cost of your insurance premiums. Insurance companies assess risk when determining premiums, and a poor driving record may be seen as an indicator of higher risk.

Here are some points to consider if you have a less-than-ideal driving record:

• High Premiums: Insurance companies may charge higher premiums for individuals with a poor driving record to offset the perceived risk.
• Limited Coverage Options: Some insurers may offer limited coverage options or may exclude certain coverages for individuals with a history of accidents or violations.
• Specialty Insurance Providers: In some cases, you may need to seek coverage from specialty or high-risk insurance providers that specifically cater to individuals with challenging driving histories.
• Improvement Over Time: While your current driving record affects your premiums, insurance companies also consider your recent history. As time passes without additional incidents, you may become eligible for lower premiums.
• Work with your Broker: Different insurance providers have different criteria and may offer varying rates. Your broker will be able to make a plan with you to get lower rates in the future as your driving record improves over time.