Car Insurance and Moving to Ontario
4 min. read
Clean Record Car Insurance for Ontario’s Best Drivers
Your safe driving deserves great rewards. Get lower rates and reliable coverage with clean record car insurance in Ontario. Start your fast quote today!
Clean Record Car Insurance, Rewarded
You've earned your clean driving record—now let it work for you. At Humberview
Insurance, we make it easy to secure lower rates and comprehensive coverage tailored to
responsible drivers like you. Enjoy seamless protection that keeps you moving forward with
confidence.
Get a quote today by filling out our simple application, sending us an email, or giving us a
call. Your safe driving deserves the best—let's make it happen.
Standard Car Insurance for Clean Record Drivers in 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 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.
Go the Extra KM: Add-On Coverages for Your Clean Record Car Insurance in Ontario
Collision
Covers your damage to your car a result of hitting an object or another car.
Comprehensive
Covers some insured damages such as falling objects, theft and fire.
All Perils
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness
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
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle
Provides you with a rental vehicle to a specified limit after an insured loss.
How Clean Record Car Insurance Rates Are Calculated in Ontario
If you have a clean driving record, you probably already know that
safe driving leads to better rates—but how exactly are Ontario car insurance rates
determined? Factors like the car you drive, your daily mileage, and your location all play a
role. While drivers with past tickets or accidents face higher premiums, your spotless
record qualifies you for lower rates and exclusive discounts. Choosing the right
coverage—such as comprehensive or collision—affects your premium, but bundling policies or
maintaining a claims-free history can save you even more.
Our experienced brokers make it easy to navigate your options and ensure you’re getting the
best deal for your clean record. Let’s maximize your savings—get your personalized quote
today!
Ways to Maximize Savings on Clean Record Car Insurance in Ontario
You’ve maintained a clean driving record—now it’s time to make sure you're getting the best possible rate. Here’s how you can save even more on your Ontario car insurance:
Bundle Your Policies
Combine your home and auto insurance for a multi-line discount.
Insure Multiple Vehicles
Covering more than one vehicle under the same policy can lead to big savings.
Compare Your Options
With so many insurers in Ontario, shopping around through brokers or direct providers can help you secure the lowest rate.
Adjust Your Deductible
Opting for a higher deductible can reduce your premium, as long as you’re comfortable covering minor repairs.
Pay Annually
Some insurers charge fees for monthly payments—switching to annual payments could save you up to 1.3% per year.
Install Winter Tires
Not only do they keep you safer in winter conditions, but they also qualify you for a discount.
Stay Claims-Free
Even with a clean record, avoiding small claims keeps your insurance history spotless and helps you qualify for loyalty discounts.
Stay Loyal & Renew Smartly
Insurers often reward long-term customers with renewal discounts after one to three years.
You’ve done the hard part by keeping your record clean—now let’s make sure your insurance works just as hard for you. Get a quote today and start saving!
Why Choose Humberview for Clean Record Car Insurance?
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Your Dedicated Broker, Every Step of the Way
No call centers, no switching agents—just one trusted broker who knows your policy inside and out.
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Serving Ontario Drivers Since 1982
With decades of experience, we understand what clean drivers need.
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Access to Top Insurers
We shop Canada’s leading insurance providers to find the right coverage at the right price for your spotless record.
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No Endless Phone Prompts—Just Real People
When you call us, you get a person, not a machine. Your time is valuable, and we respect that.
You’ve earned your clean driving record—let us help you get the insurance savings you deserve. Get a quote today!
Discover the Perfect Clean Record Car Insurance By Vehicle
Clean Record Car Insurance FAQ
Answers for Ontario’s Best Drivers
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How Much Car Insurance Do I Need in Ontario?
The law requires liability insurance, plus three other mandatory coverages. As a responsible driver, we recommend carrying at least $2 million in auto liability coverage for added protection.
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How Much is Car Insurance Per Month in Ontario for a Clean Record Driver?
With a spotless driving history, you’re in the best position to secure lower rates. Many experienced drivers pay around $150–$200 per month, but rates vary based on your vehicle, location, and coverage choices.
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Which Cars Have the Cheapest Insurance for Clean Drivers?
Vehicles with high safety ratings, strong theft deterrents, and lower repair costs generally have lower premiums. Your clean record also helps secure the best possible rate, regardless of the car you drive.
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Do All Drivers in a Household Need to Be Insured?
Yes, every licensed driver in your household must be listed on your policy or have their own coverage. If you have a clean record, listing additional drivers wisely can help maintain lower rates.
Your clean record deserves the best coverage at the best price. Get a quote today and start saving
Reliable Advice and Guides for Clean Record Drivers
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