Ingersoll Car Insurance
For over thirty years, Humberview Insurance Brokers has been assisting residents of Ingersoll, Ontario, and the neighboring areas with their Ingersoll car insurance needs. If you're in search of an affordable Ingersoll car insurance quote, our aim isn't solely to offer you cost-effective car insurance. We also want to introduce you to one of our licensed Insurance Brokers. They are wholly committed to helping you lock in a policy, providing crucial advice, and assisting you should you ever need to file a claim.From the moment you request a car insurance quote, our dedication is evident and remains consistent as you make the most of your coverage over the years.
Standard Car Insurance in Ingersoll, 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 Ingersoll 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 Ingersoll 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 Ingersoll 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 Ingersoll
Watch for School Zones
The town has numerous schools; drivers should be alert and adhere to speed limits in school zones.
Respect Speed Limits
Regardless of the road type in Ingersoll, always stick to the posted speed limits to ensure everyone's safety.
Stay Aware of Weather Conditions
Ingersoll, like much of Ontario, experiences varying weather conditions. Always be prepared for potentially slippery roads.
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.
Ingersoll Car Insurance by Vehicle
Did you Know About Ingersoll?
Ingersoll, Ontario, known for its rich history and its famed Cheese and Agricultural Museum, is a charming town located between London and Woodstock. With its scenic beauty and proximity to major highways, drives in Ingersoll offer a combination of small-town charm and accessibility to urban centers. This mix of town ambiance and strategic location emphasizes the importance of reliable Ingersoll car insurance, ensuring drivers remain protected as they traverse the town's roads.
Some of the busiest streets and roads in Ingersoll include
Harris Street
An integral part of Ingersoll, this street has numerous local businesses and sees steady traffic.
Charles Street
Connecting various parts of the town and providing access to essential services.
Thames Street North & South
These streets are pivotal for intra-town travel.
Whiting Street
Another major road that facilitates both local and through-town traffic
King Street
Running through the heart of the town, this road connects numerous neighborhoods and amenities.
Bell Street
A vital road that offers connectivity to several residential and commercial areas.
Notable neighborhoods and areas in Ingersoll
Canterbury Street
: A key route for many residents, leading towards major highways and other towns.
Downtown Ingersoll
The bustling center of the town, offering a mix of shops, eateries, and historical landmarks.
North Ingersoll
A rapidly developing area with newer residences and commercial ventures.
South Ingersoll
Known for its serene neighborhoods and proximity to recreational areas.
West Ingersoll
A blend of residential and green spaces, ideal for families.
Ingersoll Car Insurance FAQ
-
How much car insurance do I need in Ingersoll?
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 Ingersoll?
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 Ingersoll?
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 Ingersoll?
In Ingersoll, affordable insurance is typically found on cars with low repair costs, high safety ratings, low theft rates, less powerful engines, and those that are common and have inexpensive parts. Contact local insurers for precise quotes based on personal details. -
How much is car insurance in Ingersoll for a new driver?
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. -
Do all drivers in a household have to be insured in Ingersoll?
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 Ontario 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 Ontario?
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Ingersoll Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Ingersoll
Drivers in Ingersoll with outstanding driving histories can tap into the market to get rates that recognize their impeccable driving records. At Humberview Insurance Brokers, our commitment is unwavering. We aim to offer affordable Ingersoll car insurance solutions and are enthusiastic about connecting you with our expert licensed Insurance Brokers. These professionals will guide you in selecting the right policy and provide invaluable support, especially when claims are involved.
Ingersoll Commercial Auto Insurance
For more than three decades, Humberview Insurance Brokers has been the preferred choice for Commercial Auto Insurance in Ingersoll. Whether your business involves local trade, delivery services, or any other commercial activity that requires vehicular movement, we're here for you. Our experts craft policies that align with your unique needs, ensuring comprehensive protection. Trust in us to deliver the ideal Commercial Auto Insurance solution in Ingersoll.
High Risk Car Insurance in Ingersoll
There may be times when drivers in Ingersoll require high-risk car insurance. This coverage is designed for those considered riskier by insurers due to past records or incidents. Reasons for being classified as high-risk can include a history of DUI, multiple traffic violations, being at fault in accidents, or having an insurance gap. Such a policy allows individuals to rebuild a safer driving history over time while still being adequately covered on the roads.
Car Insurance News and Blog for Ingersoll, Ontario
Ignition Interlock Ontario
Electrifying the Roads: Canada’s iZEV Program
Car Theft Prevention: Ideas for Ontario Drivers
Smooth Transitions: Navigating Car Insurance in Ontario When Moving from Another Province
Car Insurance in Ontario, Changes to DCPD Coverage January 1, 2024
