London Car Insurance
For over thirty years, Humberview Insurance Brokers has been assisting residents of London, Ontario, and the neighboring areas with their London car insurance needs. If you're in search of an affordable London car insurance quote, our primary mission isn't just to provide you with cost-effective car insurance options. We also take pride in connecting you with one of our licensed Insurance Brokers. These seasoned professionals are fully dedicated to helping you finalize an ideal policy, dispensing expert advice, and standing by your side should you ever need to file a claim.
From the moment you request a car insurance quote, our unwavering commitment is evident, continuing as you benefit from your coverage over the years.
Standard Car Insurance in London, Ontario
Liability
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
Direct Compensation Property Damage
Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by a hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.
Accident Benefits
Provides compensation if you or others are hurt or killed in a car accident.
Extra Coverages for your London Car Insurance to Take You Those Extra Km’s
Collision Coverage
Covers your damage to your car as a result of hitting an object or another car
Comprehensive Coverage
Covers some insured damages such as falling objects, theft and fire.
All Perils Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness Coverage
Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.
Depreciation Waiver Coverage
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle Coverage
Provides you with a rental vehicle to a specified limit after an insured loss.
How London Car Insurance Rates Determined
The Car you Drive
Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.
How you Drive
Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.
The Area in Which You Live
The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.
Driver Profile
Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..
All the Coverages You Choose
Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.
Discounts You Qualify for
A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.
Ways you Can Save to Get Cheap London Car Insurance
Bundle
Add your house policy to get a multi-line discount..
Insure two or more vehicles
Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.
Shop Around
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Increase deductibles
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
Pay Yearly
Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.
Install winter tires
Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.
Take a Drivers Training course
If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.
Consider Renewing
Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.
Tips for Driving in London
Stay Alert for Students
With institutions like the University of Western Ontario, anticipate pedestrian traffic around campuses.
Respect Posted Speed Limits
Always comply with the designated speeds to ensure safety for all on the road.
Prepare for Winter
London can experience significant snowfall. Always be ready for slippery conditions and adjust your driving accordingly.
Why Humberview?
-
You Get One Dedicated Broker
We are not a call center, you will have the same broker for your policy.
-
In Business Since 1982
We are an independent broker located in Toronto since 1982
-
Quotes from Top Insurers
We represent some of Canada's best insurance companies.
-
No phone prompts when you call us
Speak to a human, right away.
Did you Know About London?
London, Ontario, often referred to as the "Forest City," is known for its lush parks and rich history. Today, its strategic location between Toronto and Detroit, along with its academic and cultural institutions, makes it a vibrant hub. The blend of historical streets and modern thoroughfares accentuates the importance of having dependable London car insurance, ensuring drivers are adequately protected as they navigate the city's varied routes.
Some of the prominent streets and roads in London include.
Wonderland Road
A busy north-south corridor that hosts many commercial establishments.
Richmond Street
Passing through the heart of downtown, it's a bustling avenue filled with businesses, restaurants, and cultural spots.
Downtown London
The city's energetic core with a mix of business, entertainment, and dining venues.
Notable neighborhoods and areas in London:
Old North
A historic neighborhood known for its beautiful homes and tree-lined streets.
Byron
A serene suburban area with parks and recreational facilities.
Argyll Road
A key residential thoroughfare, which also sees a fair amount of traffic.
Wortley Village
Voted one of Canada’s best neighborhoods, it boasts a unique charm with boutique shops and cafes.
London Car Insurance FAQ
-
How much car insurance do I need in London?
The minimum amount includes liability insurance which comes with three other mandatory coverages. We suggest people carry at least $2 million in auto liability coverage. -
How much is car insurance per month in London?
Paying approximately $200 per month is in and around the standard. But this can increase quickly if you are a new driver, have tickets, accidents or live in an area where there are a lot of claims. -
How much is insurance for a G2 Driver in London?
For a new G2 driver paying $350 per month is not unheard of. There could be ways to reduce this rate if you recently moved to Ontario and can prove experience from a different province or country. -
Which car offers the most affordable insurance in London?
Brampton, followed by Mississauga, Vaughan and Richmond Hill. -
Why do Ontario drivers pay the highest car insurance rates in the country?
The Ontario auto policy provides many coverages, as well as extreme weather events, fraud and higher value of vehicles results in higher premiums people pay for their auto policy in Ontario. -
Which car has the cheapest insurance?
There is no clear answer, as Ontario car insurance is based on many factors. Vehicles with higher safety ratings and are less expensive typically will result in lower premiums for the rating that is derived by the vehicle. -
How much is car insurance in London for a new driver?
This rate can vary depending if you are a new driver who completed driver training, or whether or not you are bringing experience from another country or province. -
Do all drivers in a household have to be insured in London?
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
London Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in London
- Drivers in London with stellar driving records are in an advantageous position to explore the market for rates that recognize their commendable driving practices.
- At Humberview Insurance Brokers, our dedication goes beyond merely offering affordable London car insurance solutions.
- We're passionate about introducing you to our expert, licensed Insurance Brokers.
- These specialists will guide you in selecting a fitting policy and offer unparalleled support, especially during claim processes.
London Commercial Auto Insurance
- For over three decades, Humberview Insurance Brokers has been a preferred choice for Commercial Auto Insurance in London.
- Whether you're involved in delivery, operate a local eatery, or use your vehicle for business-related tasks, we've got you covered.
- Our team crafts policies tailored to your specific needs, ensuring your enterprise and assets are wholly protected.
- Lean on us to furnish the ideal Commercial Auto Insurance solution in London.
London High Risk Car Insurance
- There are instances when drivers in London may find themselves in need of high-risk car insurance.
- Such situations might arise from decisions like driving while impaired, which is not only dangerous but can also lead to significant legal consequences and a label of being high risk.
- Other triggers for a high-risk categorization include repeated traffic violations, being at fault in multiple accidents, or gaps in insurance coverage.
- Through our high-risk insurance offerings, individuals can start the journey of restoring their driving reputation, emphasizing the critical importance of responsible driving, while still obtaining the necessary coverage on the roads.
Car Insurance News and Blog for London, Ontario
DUI Insurance in Ontario: What You Need to Know After a Conviction
Does a Speeding Ticket in Ontario Affect My Car Insurance?
How Distracted Driving Penalties Are Leading to Insurance Increases in Ontario
Back on Track Ontario: Program Details, Costs, and Locations for License Reinstatement
Driving in School Zones: Fines, Tickets and Insurance.
