For more than three decades, Humberview Insurance Brokers has been helping Ontario, Canada residents save on car insurance. But that’s not all we do. We believe a happy driver is an educated driver, so besides great rates on car insurance, we also provide expert advice and personal service from the moment you get a quote to the moment you enjoy your perfect new coverage, and beyond.
Learn More About Ontario Car Insurance by Reading Below
Mandatory Car Insurance 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)
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.
Extra Coverages for your Ontario Car Insurance to Take You Those Extra Km’s
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.
Ontario Car Insurance Additional Options and Add-Ons Which Are Good To Have
Accident Forgiveness
Prevents your policy going up in price due to your first at fault claim.
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.
* many conditions apply to some of the coverage listed above, it is best to speak to a car insurance broker if you have specific questions or limitations.
How Are Ontario 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
A lot of the price you pay is dependent on where you live, this is because if you live in an area where there are a lot of accidents, you will typically pay more than if you lived in an area with less accidents.
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 Ontario 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 a multi-vehicle discount.
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 Ontario
Watch out for Wildlife
Wildlife running across roads and highways is very common and it is something to watch out for.
Put on Snow Tires
Snow tires will help you control and stop in inclement weather, they do make a difference.
Check the Weather
Check the weather of where you are planning to go. Even an hour away can be the difference between rain or shine.
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.